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Here is a sample of some of our previous work. This article was based on debt consolidation. With the economy in its current condition, it’s no wonder people are having to deal with debt and the inability to pay off those debts. Whatever the case may be, if you’re in debt then credit counseling is a great option. What credit card counseling does for you is reevaluate your spending. By doing this, you can cut out unnecessary spending and end up making your debt smaller. There is also something called the debt management plan or the DMP for short. This DMP allows you to continue to make monthly payments to your credit card companies, but it combines your payments into one. You then give that money to the credit counselor and from there the money is distributed to the credit card companies. Be sure to confirm whether the credit counselors are non-profit or not as a counselor that charges will cost you more than the debt you owe.