15. If you are behind on your debt payments and go to a responsible credit counseling service such as the Consumer Credit Counseling Services, what help can they give you?
a.) They can cancel and cut up all of your credit cards without your permission.
b.) They can get the federal government to apply your income taxes to pay off your debts.
c.) They can work with those who loaned you money to set up a payment schedule that you can meet. Oh how we all wish it were answer b or d. But it isnıt. Counseling Services are designed to provide you with some much-needed discipline and give you a chance to recover from your poor decisions and get your financial footing back. They dole out the harsh reality of how credit works and challenge you to right the wrongs. d.) They can force those who loaned you money to forgive all your debts.
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