So, it's a better deal for your creditors if you voluntarily repay, even if it takes several years. What's more, because such repayment organizations have existing relationships with creditors, they know what that creditor has arranged for other clients. A lot of people set themselves up for failure. They'll say what they think the creditor wants to hear, or they feel bullied. Once you're on your way to paying off your old debt, you'll need to set up a budget.
Credit counselors can help with that as well.
Most people don't know how much they spend each day. They may know about the big-ticket items, the rent and mortgage payments and the utility bills. But they lose track of how much they spend on extras like restaurants, dry cleaners and video rentals. But some people have just gotten away from budgeting and money management. Counselors can help you track your spending.