Credit Counseling Articles       Learning to avoid the mistakes that put you in debt will help you down the road. Credit Counseling is all about educating the consumer and at the same time getting you out of debt.   What to Ask a Credit Counselor? No question is wrong or “too dumb” when you are sitting in a credit counselor’s office. You cannot resolve a situation you do not understand. Difference Between Credit Counseling and Debt Settlement The choice between credit counseling and debt settlement is a matter of identifying the cause of debt problems and selecting the correct solution. Credit Counseling Can Reduce Your Debt Getting credit counseling will provide the best plan for reduction of your debt and get you the training you need to be a responsible consumer. Free Credit Counseling to Help Manage Your Debt You can obtain free credit counseling from a large number of nonprofit and church-related organizations and get a handle on managing your debt.