If you ever find yourself drowning in a pool of debt, unable to cut down your balance and sinking deeper month to month, it’s time to get help.  If you’re experiencing troubles with credit card bills, medical finances, or collection agents, debt consolidation services  just might be the solution you want to look into.

Delray Credit Counseling is a non-profit educational service that allows consumers like you to request free time with one of their agents so they can assist you in getting your financial situation back on track.   Available for long hours from Monday to Friday, they will help you arrange your credit problems stemming from unsecured credit into easier-to-handle single monthly payments with significantly-reduced or completely eliminated monthly interest rates.  They also offer free seminars where you can learn how to handle your debt issues on your own, even without enrolling into a program.

They will help you consolidate all unsecured debt.  This typically means credit cards, medical bills and other loans not supported by a collateral.    Home loans and car payments obviously aren’t covered but most other credit will be.  Tired of the seemingly endless calls from collection agencies?  Once enrolled in a debt management program such as the ones Delray provides, the credit collectors will typically keep at bay.   Help yourself and put an end to the regular harassing threats!

Delray’s site is probably one of the most helpful resources I’ve seen when it comes to debt consolidation and personal finance.  They provide plenty of free resources explaining numerous areas of debt and financial management - credit types, credit reports, consumer rights, taxes, budgets and more.  They also give a very clear and detailed explanation of what they do to help you so you don’t have to request a call from their agents not knowing what to expect.