Transform Debt with Expert Credit Counseling Nonprofit Enrollment
How Credit Counseling Works
The process typically begins with a free consultation where a certified credit counselor reviews your financial situation. They will assess your income, expenses, and debts to create a personalized action plan. If a debt management plan (DMP) is recommended, the counselor will negotiate with creditors on your behalf to consolidate your debts into a single monthly payment. This approach can simplify your finances and potentially reduce the total amount you owe3.