If you are somebody who is finding it difficult to cope with the financial responsibility imposed on you by your debts, then credit counseling presents you a very useful option to pay off your debts. More often than not credit counseling companies work as nonprofit organizations and they also offer you a referral service.
The chances are that a credit counseling company will work towards helping you eliminate your debts rather utilizing you for their benefit. This is what is done by most companies involved in the debt relief business. Credit counseling companies want only a single payment each month, low or no interest rates, no fees and no collection calls.