There are various offers for free debt counselors but many of these counselors may not have your best interests in mind. A good counselor is going to be able to help you formulate a plan to not only get you out of debt but, if your credit score has dropped, show you new financial habits that can improve your credit history, which will bring you a better credit score.
There are numerous free debt counselors that are available to help anyone who is in financial trouble, but doing the research in your specific area as to which are going to be the best will be necessary. There are many online sources that can lead you to a variety of free debt counselors who may be beneficial to you.
However, any assistance that you might get to improve your finances is going to be heavily dependent upon your willingness to not only get out of debt but stay out of debt in the long-term. A little discipline and time will allow anyone to get out of debt, but anyone who is in a cycle of debt is going to fair worse over the long run than if they simply work on new financial habits in order to keep their debt at bay.
Budgeting, saving money each month, living within your means, and not making unnecessary purchases are not something that many people want to do nowadays as credit cards and an instant gratification mentality have people buying more items and services than they will ever be able to afford.
If anyone who wants to have a secure financial future they are going to have to start saving more money than they spend and living within their financial means. People often neglect to think about their future and are willing to simply spend now and be happy in the moment. However, debt can follow you all the years of your life and leave you in a very bad situation in your later years.
Not only will researching a good debt counselor be beneficial, but more so, developing better financial habits are going to be the key to getting out of debt, improving your credit score, and staying out of debt, which will allow you to not just simply afford things in the here and now but will give you a firmer foundation for your finances years down the road.