Consumer credit counseling can be governmental in nature, but it can also be offered privately, albeit with certain risks. Find out how to avoid consumer credit counseling withhelp from a registered financial consultant in this free video on credit and personal finance. Expert: Patrick Munro Contact: www.northstarnavigator.com Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace. Filmmaker: Reel Media LLC