If you are considering using the services of a debt counsellor to help ease the heavy burden of over-indulging in credit, make sure you are informed before you apply formally. Debt counselling is not free, and you are not necessarily going to be approved for this service, as there are stringent guidelines as to what conditions have to be present for you to be able to go to debt counselling. It is also important to note that debt counselling is by no means a free ride to leave your troubles behind, you are still required to pay back whatever money you owe.
Read More ›