Credit Counseling is a form of Debt Management that can lower your interest rates with credit card debt and some installment loans while providing one monthly payment.  It is a form of Debt Consolidation that does not require a new loan.  Both Credit Counseling and Debt Negotiation are considered hardship programs, but Credit Counseling does not negotiate the balances.  Only the interest rates are reduced.  We have an arrangement with a highly rated non-profit Credit Counselor if you would like to pursue this option.