http://www.credit-card-debt-relief.biz/credit/credit-counseling/credit-card-counseling/ Credit card counseling is multi-faceted. It can refer you to a debt management program and teach you better money management skills. See if credit card counseling is right for you. en-us Mon, 05 Jun 2006 13:50:14 EDT Mon, 05 Jun 2006 13:50:14 EDT Weblog Editor 2.0 If the main source of your debt is from credit cards, you may need credit card counseling. The Evils of Credit Card Debt Credit card companies are so good at luring us in with low introductory rates, so-called "rewards" programs and monthly minimums that are 1% of your balance. (Sounds low, right? With the average unpaid credit card balance hovering around $7,000 a person, that's a monthly payment of $70.) Sometimes, people might have that much on one card, and several other cards with other minimums to pay, plus daily living expenses (rent, utilities, groceries, gas, etc.). It can all add up fast, and sometimes it's too much to handle. That's when it's time to seek out credit card counseling. Credit card counseling can teach you about: The evils of credit card debt and teach you how to be smart when using your credit cards How to budget so you can live within your means more effectively How to save in order to reach your goals (both long- and short-term). But it takes more than teaching to get the upper hand on debt - you need a credit counseling agency that will follow through on those teachings, and will work 100% for your benefit. The Good of Credit Card Counseling Most often, credit card debt counseling is recommended to people who enroll in a debt consolidation program because these people are usually surprised at how they ended up with so much credit card debt. They don't realize how quickly finance charges can increase your monthly bill if you don't pay it off in full. And if you have late fees or over-the-limit fees, those can jack your balance up too. In fact, in 2003, credit card companies made over $7 billion in late fees. The good news is that you don't have to pay all this anymore. When you complete our secure, online form, you will have access to the best credit counseling services around. If you only need credit card counseling, they can help. However, if you need a full-blown debt management program to go with your credit counseling services, they can get you one of those too. Most debt management programs can get your balances reduced and nuisance fees removed. If you're looking for a good, reliable consumer credit counseling company, let us help. We'll send you recommendations and referrals to the best companies around. Filling out our form does not obligate you to any of these companies or to us, it just saves you the time and trouble of doing it yourself. Mon, 05 Jun 2006 13:50:14 EDT