NEITHER…we provide the education needed to effectively manage your finances and hold you accountable to take action. We teach you how to alleviate your debt with every available option. The dirty secret about debt settlement agencies is they don’t do anything for you that you can’t do yourself, and they charge you enormous fees for it. Credit counselling on the other hand is generally funded by Credit Card Companies. Yes…that said credit card companies…they want these entities to help you figure out how to pay minimum payments for the rest of your life and could care less about the rest of your financial success.
If you are severely in debt please see our resource page which provides some links to organisations that can help you free of charge.