http://www.credit-and-debt-counseling.net/credit-counseling/free-credit-counseling/ Free credit counseling is one of many types of credit counseling plans available. See what free credit counseling and other types of credit counseling plans are all about. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 Free credit counseling! Free credit counseling! Sounds a little like a used car commercial, huh? A little too good to be true? Well, free credit counseling isn't really like that at all. It does sound a little misleading, but when you hear of free credit counseling, it usually means the initial consultation is free. You'll likely still have to pay a monthly fee for free consumer credit counseling services. Are There Better Options? Not really better, just different. Credit counseling comes in the form of free credit counseling, but also in the following forms: Christian credit counseling: Provides financial and spiritual guidance Non-profit credit counseling: Provides credit counseling services at reduced rates due to tax breaks and subsidies. Debt consolidation credit counseling: Provides debt management services through one of many types of debt consolidation programs. How Do I Start? You've already started just by going online and searching the Internet for help. In fact, at this very moment you are probably overwhelmed with information. The best thing to do at this point is to research the type of credit counseling listed above, then start completing the online questionnaires that many debt management credit counseling companies offer. These are secure, no-obligation forms, and the purpose is to help a debt management counselor determine what type of debt management program is best for your situation. The reason you should complete a lot of these is so you can compare the recommendations and make an informed decision. You have nothing to lose and everything to gain by participating in a debt management program. Get started today by finding companies on our resources page. Sat, 26 Jul 2008 15:00:00 EDT