If you are struggling to make your payments each month, and require debt relief, credit counseling may be a great option for you.
A credit counselor can set up a more affordable payment plan, and help to lower your interest rates. Note that credit counseling does not reduce the amount of debt you owe. Rather, a credit counselor can create an affordable repayment plan and offer lower interest levels which may have been pre-negotiated with your creditors. Through consumer credit counseling, you can also enroll, for a fee, in a debt management plan (DMP).