Credit counseling helps you regain control of finances by creating budgets, negotiating with creditors, and recommending options such as debt-management plans. Use certified counselors and confirm fees and credentials.
Bill consolidation combines multiple debts into one payment to simplify bills and often lower interest. It's a useful tool but not a cure - pair it with budgeting and behavior change.
Credit counseling helps people manage debt and build financial skills. Counselors receive employer-based training and professional credentials; good agencies disclose fees, accreditation, and offer supervised on-the-job training.
Use a debt-consolidation calculator to compare options, estimate savings, and decide whether combining debts will lower interest or simply spread payments over a longer term.