What exactly do credit counseling agencies do? To put it simply, a credit counseling agency analyzes your sources of income and your expenses. The agency will:
A) Detail what you owe.
B) Give you an organized picture of your financial situation.
C) Provide options that match your resources, lifestyle, and goals.
D) Tell you the steps you need to take to reach those goals.
Whether you first contact a credit-counseling agency by phone, e-mail, or in pe...
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