Although a 4Pillars counsellor can help you consolidate your debts, as well as enter a credit rebuilding program, another important thing to understand is that no credit counselling agency can 100% guarantee that your finances will be repaired.
If a “credit counsellor,” tells you that they will magically fix your finances and credit score for a fee, walk in the other direction, as they may be attempting to scam you or steal your personal and financial information. While debt management can certainly make your situation better, you will have to put in the majority of the work for things to change.