Credit counseling can help with debt payoff and management. CNBC Select explains how credit counseling works and whether it's time to find a credit counselor near you.
After your conversation, the credit counselor will make recommendations on steps you can take to improve your financial situation. They might recommend you enroll in a debt management program, where the credit counseling organization would negotiate a payment plan with your issuers on your behalf.You may need credit counseling if you feel overwhelmed or anxious about your being able to pay off your debt.
Typically, people turn to a credit counselor when they need to know how to pay off their debt faster, consolidate their debt into one monthly payment, eliminate or recover late fees, negotiate lower interest rates and generally improve their money habits so they can work toward a better financial future.The most reputable credit counseling organizations are nonprofits, and you can take advantage of their programs free of charge or at an affordable fixed rate.
Once you've gathered a list of credible organizations you want to reach out to, make sure they are legitimate by checking them out with your
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