Credit Counselling and Debt Repayment Our licensed counselling pros will work with you to develop a bill consolidation program customized for your personal financial needs. Together, well make sure you get a realistic, livable budget, settle your debt and restore your good credit. Often well start by consolidating your current debts. Heres how it works: Our people will negotiate with all of your creditors on your behalf, and then set up a single monthly payment, often lower than you are …