Credit Counseling Online: 

When you're experiencing financial distress, these companies, also referred to as debt management companies, work with your creditors to restructure your unsecured debt. Through a debt relief plan, you make one monthly payment to them, and they pay your creditors. Companies that offer credit counseling do not loan you money. Instead, they negotiate with your current creditors to get you debt relief. These creidit plans can offer many benefits that may help you get a handle on your unsecured debts, such as:

• Lowered monthly payments
• Reduced or eliminated interest rates
• Eliminated late fees
• Accounts brought current (re-aging your account)

Don't ruin your credit rating. Consolidate your debt and lower your payments.

more resources ...

• California consolidate debt

• Credit Report

• Credit Counseling Industry Supports New Federal Regulations