We must wonder why debt counselling programs are needed to begin with when the consumer
should be able to be in charge of everything without a large degree of difficulty. Intermediaries negotiate on the customer's behalf to secure a better deal. Then the customer will pay a payment according to a previous agreement which depends on the overall performance of the intermediary. Still there's no magical strategy in this business and if you put in some time and some effort, you will improve your indebtedness level.