Consumer Credit Counseling Service in Florida call (800) 254-4100 credit card debt consolidation, bankruptcy credit counseling, foreclosure counseling, student loan consolidation, bankruptcy course certificate, debt management plan, credit repair, free credit counseling, reverse mortgage counseling, non-profit, get out of debt relief in Florida Consumer Credit Counseling Service is commonly a process that is used to help individual debtors with debt settlement through education, budgeting and the use of a variety of tools with the goal to reduce and ultimately eliminate debt. Credit counseling is most often done by Credit counseling agencies that are empowered by contract to act on behalf of the debtor to negotiate with creditors to resolve debt that is beyond a debtor’s ability to pay. Some of the agencies are non-profits that charge at no or non-fee rates, while others can be for-profit and include high fees. Regulations on credit counseling and Credit counseling agencies varies by country and sometimes within regions of the countries themselves. In the United States, individuals filing Chapter 13 bankruptcy are required to receive counseling.