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What is Credit Counseling

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Credit counseling organizations can advise you on your money and debts, help you with a budget, and offer money management workshops.Credit counseling provides consumers with guidance on consumer credit, money management, debt management, and budgeting. The goal of most credit counseling is to help a debtor avoid bankruptcy if they find themselves struggling with debt repayment. Many counseling services will negotiate with creditors on the borrower’s behalf to reduce credit card and loan interest rates and waive late fees. According to the Consumer Financial Protection Bureau (CFPB), credit counseling agencies most often operate on a nonprofit basis, although there are credit counselors that are for-profit.
https://debtadvices.co.uk/credit-counseling/

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Always stay safe! It is safer when you trade locally, you see the goods before paying. Avoid using payment / transfer methods such as Western Union, this is the same as sending cash to someone. See our Trade Safely page for more information on trading safely.

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