Consumer credit counseling programs used to be incredibly trendy amongst American consumers. They used to put forward incredibly helpful benefits, such as diminishing the interest rates down to below 5%. However this has all been altered and the benefits are no longer what they were in the past. In many situations you will find yourself paying out as much for a credit counseling program as you were to maintain paying monthly minimum credit card payments. Thus people will search for another method of consumer debt relief. Lose the debt today and live a happier life.