 TITLE: What Credit Counseling Offers CONTENT: Should I Use a Credit Counseling Service?\n-----------------------------------------\nThere are plenty of excellent reasons to see a credit counselor. Aside from building a game plan to tackle credit card debt, a credit counseling agency can help you:\n*   Develop or refine a budget and save money.\n*   Communicate with lenders and collection agencies.\n*   Learn about student loan repayment plans.\n*   Avoid or deal with debt related lawsuits and repossessions.\n*   Determine if bankruptcy is the right decision.\n*   Protect or rebuild your credit.\nSince there is no charge for the appointments, you've got nothing to lose by spending an hour with a counselor. You'll be under no obligation to follow their action plan, as it will be simply a series of suggestions. END