Credit Counseling

"The best credit counseling can help people who are behind on their debts get back on their feet. Fly-by-night outfits can disappear with your money, and what remains of your credit rating. In between the two are a whole fleet of operators who may or may not leave you better off than you are now."  The consumer's guide to credit counseling as posted by MSN Money, is an informative article that provides information about credit counseling servives.