Earlier National Foundation for Credit Counseling (NFCC) was dominant in the credit counseling industry and its affiliates Consumer Credit Counseling Services did the negotiation by lowering rates of interest and working out payment plans for debtors. The credit counseling industry has come a long way and due to the increase in the number of consumer debts in the last couple of years, the number of credit counseling companies has mushroomed like never before. According to a representative of a credit counseling company in USA, “The debt load of Americans is at an all time high and has surpassed previous records. The incidence of bankruptcy is catching up pretty fast”. There are plenty of people who need professional help but do not have proper information about credit counseling companies. “Most debtors require professional assistance but they are unable to decide which company to approach”, says another debtor in USA. Some of the factors which require to be addressed in credit counseling include upfront fees, missing payments, accreditation and false promises made by the credit counseling companies. A debtor should be able to identify the circumstances when a credit counseling session is required. A credit counseling session basically stops debts from getting out of proportion. In the words of a consumer in New Mexico, “Consumers fail to realize the importance of credit counseling. If consumers take action when they are sense financial crisis, it can save a lot of trouble”. A debtor’s search for an authentic credit counseling company can end at our credit counseling community. Our Community has solved many debt related problems and we also offer free credit counseling to the consumers. We have been in this field for the last couple of years and have many successful stories to say.