The first step to a financially stable tomorrow is facing your situation today. Take a proactive approach. Recognize the warning signs that a financial hardship may be in your future. If you’ve fallen behind in your credit card payments, are receiving calls from collection agencies, or financial issues are affecting your home life, credit counseling may provide you the answers to help take control of your finances. To learn more about what to expect in a credit counseling session with a certified NFCC credit counselor click here.