Credit counseling agencies are organizations, usually nonprofit, that may help handle your funds and debt. When it involves paying off debt, licensed credit score counselors negotiate with collectors in your behalf to create an affordable debt management plan. Each month, you may send a lump-sum payment to the credit counseling company, which divides the fee and sends it to your creditors in your behalf. If you are struggling to get out of debt and in search of a service that may help, you must…See More