Consumer Credit Counseling counselors work every day with creditors nationwide, they have developed a working relationship with a huge net work of creditors, for anyone with bad credit debt consolidation. Your counselor uses this working relationship to your advantage. Creditors are very happy to know you have contacted a credit counselor, this move solidifies your seriousness in solving your debt problems, it encourages them to corporate with your counselor. At this point in the process your situation and personal finances get figured into the formula, customizing your monthly payments to fit your budget. Credit counselors are able to negotiate better interest rates as favorable as 0% depending on your situation. Many times your counselors maybe able to negotiate with your creditors to drop your late fees, cut your principal balances, helping you to take back control of your financial future. Getting you closer to living A LIFE OUT OF DEBT.