Debtor Counseling

Debtor counseling, often referred to as credit counseling, is a service that helps individuals manage their debts and improve their financial situation. It involves working with a certified counselor who provides guidance on budgeting, debt management, and repayment plans. The counselor assesses the person's financial situation, suggests strategies to tackle debt, and may negotiate with creditors on their behalf. This service aims to educate debtors about financial management, help them understand their rights, and empower them to make informed decisions, ultimately working towards achieving financial stability.