What exactly do credit counseling agencies do? To put it simply, a credit counseling agency analyzes your sources of income and your expenses. The agency will:
A Detail what you owe.
B Give you an organized picture of your financial situation.
C Provide options that match your resources, lifestyle, and goals.
D Tell you the steps you need to take to reach those goals.
Whether you first contact a credit-counseling agency by phone, e-mail, or in person, the counselor will ask you why you’re there, what you’d like to accomplish at the meeting, and what your short-term and long-term goals are.
