Credit Card Counseling is everywhere in these economic times but there are more options than getting with a company that focuses on debt consolidation. Most of those types of companies only help you with counseling or others only help you to find refinancing and still others get you into a service where you pay a certain amount per month and owe less in the end.
Well they are hard to find, but there really are companies that help you with all of the above and financial planning too. In all reality, financial planning is the best way to get out of debt and stay debt-free while you plan for your future at the same time. Getting debt-free won’t happen overnight; it may take years, and it takes a lot of discipline to spend your money wisely. I know that sounds impossible but financial planning really can help.