What is the difference between Debt Consolidation and Credit Counseling? I have a place in mind that does debt

consolidation but charges a fee. They also do credit counseling (which I don’t need.) I just need to lower my monthly payments because of high interest. I don’t want a service like credit conseling to effect my credit score. Any response would be appreciated. I definately don’t need any credit counseling as much of my [...] http://bit.ly/r9ptjI