All you need to know about credit counseling

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Welcome to the Credit Counseling web site. This site provides free information about credit counseling. Here's what you need to know:

credit counseling 

First, a word about spelling. In the United States the spelling is credit counseling, with one "l". In Canada, the spelling is credit counselling, with two "l's". In the United Kingdom it's called debt counselling.

Since this site has readers from all over the world, we use both spellings, but don't be confused. Regardless of the spelling, we are talking about credit counseling. 

Credit counseling includes two main activities. Credit counselling is a process offering education to consumers about how to avoid incurring debts that cannot be repaid (which is why in the U.K. they call it debt counselling).

If you know exactly what you are looking for, enter your search terms in the box below:


Or, check out some new great articles on Credit Card Debt and How To Find a Local Credit Counsellor.


In addition, credit counseling also involves negotiating with creditors to establish a Debt Management Plan.

A DMP may help you repay your debt by working out a repayment plan with your creditors. Debt Management Plans, set up by credit counselors, usually offer reduced payments, fees and interest rates than if you were to repay the debts on your own.

Credit counseling is not the solution to all financial problems.

However, for many people with too much debt, credit counselling, including both credit education and a Debt Management Plan, is a great way to deal with their debts.

Debt problems don't usually get better on their own, so START NOW! Read our articles, and get started on a brighter financial future.

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How Credit Counseling Can Help You Avoid Bankruptcy is a site designed for your information. Each person's situation is unique, so consult with a credit counselor or other trusted financial advisor before you decide which debt management option is the correct option for you.

Life is complicated enough. Don't be overwhelmed. Research your options today!

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