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Not knowing how to develop a good budget leads some to consider using a credit counselor. Consumer credit counseling agencies are nonprofits that will help you find a workable solution to financial problems.
Reputable agencies provide money management advice, help you prepare a budget and offer free educational workshops and resources. Good counselors are certified and provide money and debt management specialists for you to use. The initial counseling session can last at least an hour with follow-up sessions scheduled if necessary.
The counselor discusses your financial situation and develops a personalized plan.
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