The credit counseling agencies negotiate with your creditors for better repayment terms, including lower interest rates and waived late fees.

By creating a realistic and manageable payment plan, you'll be able to pay off your debt in as few as 3 to 5 years (as compared to potentially 20 to 30 years on your own) and 57% lower.

By consolidating all your credit card and other unsecured debt payments into one, you won't have to juggle multiple payments.

Once you start to pay down your debt, you'll feel a real change in the way you look at and use money. You'll also learn :- tips, tricks and techniques to help you better manage all of your finances. Information and education are big parts of the service you'll receive.

Perhaps most important of all is the fact that you will always be treated with respect, care and compassion. When you get treated well - you feel well - financially and mentally too.