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New bankruptcy law makes counseling mandatory
By Talbert Williams
The average household in America now has nearly $10,000 in credit card debt. One in three families have a home equity loan in addition to their first mortgage. Americans are saving at a lower rate than ever before. As a society, we are spenders, rather than savers, and sometimes that spending gets us into trouble. Fortunately, there are a number of services available to the financially troubled, including advisors who can assist and educate consumers about managing money.
Credit counseling has been available for years, and thousands of consumers have benefited from the service. A distinctly different service from debt consolidation, credit counseling educates those with problem de...
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