Many Americans are in debt up to their eyebrows and most don't even know what options are available to help them. They just struggle paycheck to paycheck, make minimum payments and watch with frustration as what payment is made is only eaten up by the interest rates and the debt just seems to grow without end. Credit counseling is one option to help deal with debt problems. It is a type of credit service that can help by means of offering advice and guidance as to the best possible solution to the individual’s debt problems. But, before jumping the gun and signing up with any credit counseling firm be sure to do your homework.If you choose carefully, you can protect yourself from the scammers. With a legit counselor you can benefit a great deal from the skillful recommendations and direction they will give to help you fix your credit rating and to pay off all your debts successfully.This book is your guide to learn what credit counseling services can offer you and how you can choose the ones who are legally licensed to offer you help so that you can get the most sensible solution for your credit and debt problems.