First off, the debt repayment plan I enrolled in is FREE. There is no initial fee or monthly service fee charged by the credit counseling and debt management agency. Yes, it's a free debt management program that is only available in my country.
If you are in debt trouble, you have probably heard about getting help from debt relief options like credit counseling, debt consolidation, debt management and debt settlement. Often times, the term “credit counseling” is used in the same sentence as debt settlement, but actually, it’s a completely different process.
Are you drowning in heaps of credit card debt and struggling hard to pay even the minimum payments every month? Well, you are not alone. According to research, the average family in the United States has $7,000 in credit card debt and pays about $1,000 interest each year! Throw
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