Credit counseling does not involve reducing or elimination the debt you owe. Most credit counselors are non-profit and offer services at local offices, online, or on the phone. But be aware that “non-profit” status doesn’t mean that services are free, affordable, or even legitimate. In fact, some credit counseling organizations charge high fees, others might urge their clients to make “voluntary” contributions that creates more debt. Credit counseling will never give their clients what they need most, which is significant balance reduction. Negotiating with creditors is not a do it yourself job. Competent expertise is required when negotiating for large reductions in what is owed. Those reductions along with a good and reasonable plan are what make getting out of debt a reality. Moulton Law Group believes that working with an experienced attorney is the safest and smartest way to reduce your debts.