Consolidate debt-  Make all your monthly payments into one payment, for example, instead of paying ten credit card companies ten different checks every month, through a credit counseling program you will have only one monthly payment, one check.

Cut your monthly payment- by as much as 50%. For example if your current monthly payment is $800, credit counseling maybe able to get it down to $400 per month. You, your counselor, and your creditors will arrive at the correct monthly payment plan to suit your budget. Your creditors will be happy to know you are trying to make good on your debts.  

Reduce interest on existing debt-   By negotiating on your behalf with your creditors, it is very possible you could end up with 0% interest on your remaining debt, along as you agree to make the new 0% monthly payment to the counseling agency directly. This will lower your monthly payments as well as shorten the life of your debt, getting you closer to A LIFE OUT OF DEBT.

Reduce stress- A debt free life is a stress free life.