A Debt Consolidation Program is an arrangement that is made betwixt creditors and a credit counselling agency. By having a reputable, non-profit credit counselling agency working for you, a passionate certified Credit Counsellor will behave as your agent and individual expert, directing you every action of this method through the entire procedure. They’ll be mindful of all details, rounding up all your credit card financial obligation and negotiating along with creditors so you can enjoy for you: