Consolidated Credit Counseling Services
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Consolidated Credit is a nonprofit that's been helping people tackle debt since 1993, providing certified credit counseling and debt management programs with no upfront fees. They negotiate directly with your creditors to lower interest rates and consolidate multiple payments into a single monthly installment you can actually afford.
Best for people struggling with multiple debts who want professional negotiation on their behalf. The nonprofit model means their advice is unbiased and focused on your payoff rather than selling you a product, and the cost savings from creditor negotiations often pay for itself.