Is your credit card balances growing larger andlarger every month? Need help?

The basic truth is that credit counseling is nothing more than a pre-negotiated agreement between the lender and the counselors’. So what this means for you? One can call or write your lender and can ask for a hardship department which most banks and credit card companies will have these internal departments. Most lenders can offer you a hardship program, which will often lower your interest and payments. In most cases, this can be done over the phone. This simple task can save you a lot of money in the 5-year program, even at $25 per month over 5 years that will come to $1,500 for the fees the credit counseling charges their customers.
http://columbusfinancialcoach.blogspot.com/2013/02/do-it-yourself-credit-counseling-why.html