Even if your creditors refuse to work with you, they will often work with us. An NFCC-certified credit counselor has tools that make it easier to get creditors on-board. Your counselor will evaluate your overall financial situation, offer advice, determine what you can afford to pay and even work with your creditor to find a solution.
If you qualify for a debt management plan, for example, your creditors may agree to reduce your payments, lower your interest rates or give you more time to pay the debt.