* Offers counseling and education to reduce or eliminate debt.

* Contacts creditors and arrange for rate reductions and waive fees.

* Offers debt management program with a single payment to take place of several smaller payments.

Negotiates lower interest rates and waived late fees with your current creditors so you can pay off debt. Debts can include credit cards, collections, medical debts, payday loans, old utility accounts, and past cell phone accounts.

Provides financial education, counseling and ongoing support to consumers nationwide, helping them to develop the tools they need to better manage their debt. Counselors offer individual financial analysis, budget counseling, financial goals and guidance. Also offers a debt management program including lower interest rates and payments on credit cards. Bankruptcy and housing counseling are also available.

Provides free and confidential, phone or in person counseling, where a counselor analyzes income and debt, foreclosure, etc and develops a budget and action plan, and recommends a solution. If individual qualifies for and chooses to begin a Debt Management Program, counselor will negotiate payment terms and concessions with creditors. Also provides workshops and online resources that teaches how to improve money management skills and other financial help.

Provides services to help individuals make better decisions about their finances and housing finances and to help others who need help with debt or credit card problems. Services include, debt management, credit counseling, housing counseling, credit card debt, and personal finances.

Provides credit/debt, budget, and housing counseling free of charge to consumers throughout New York. Counselors can help an individual with: Understanding their financial situation and goals Explaining debt management options Offering recommendations for how to get out of debt Developing a personalized action plan

* Provides financial education, counseling services and debt relief to consumers.

* Offers counseling and education to reduce or eliminate debt.* Contacts creditors and arrange for rate reductions and waive fees.* Offers debt management program with a single payment to take place of several smaller payments.

Offers solutions by creating a structured payment plan, consolidating bills or credit card debts, eliminate collection calls, reduce payout time and lower monthly payments, etc.

Can provide the credit counseling and debtor education required for anyone filing for personal bankruptcy.

Offers highly personalized financial education program that gives consumers tools necessary to gain control over their finances.