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Debt Consolidation - Credit Counseling

Can I still use my credit cards? 

Yes and no. Your creditors will close only those credit cards you choose to consolidate. Many programs suggest that you don’t use your credit cards, and every effort is made beforehand to make sure your payment plans are realistic and offer you some financial breathing space.

After enrollment in a program, some creditors will reestablish your credit based on your current ability to pay and your payment history while still in the plan.


Below is a list of credit counselors on the Internet.

 
American Consumer Credit Counseling 

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Avoid Bankruptcy

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