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How can a credit counselor help? One of the main goals of a credit counselor is to negotiate better terms with your creditors. A credit counselor will also try to enroll a consumer in a debt repayment plan, which can be used as a tool as you approach creditors to get better terms on your accounts. What exactly is a debt repayment plan or debt management plan? Has any lender ever denied you of credit? Another thing wor.

real people helping you consolidate debt and fix bad credit.

In trouble with your credit card company? Wondering where to turn? When Should You Consider Credit Counseling and What Should You Expect. If you are able to pay your bills, and you are current on all your accounts using the income you make every month, you probably do not need credit counseling. Here are some signs that you should start contacting credit card counseling services sooner rather than later. Wish you could negotiate a better interest rate.