Your financial situation will be stabilized and you will probably have additional money in your monthly budget for essential items. You will have a clear plan for resolving your credit problems and you’ll have the encouragement to work on that plan until you are living debt free. Credit counselors will design a consolidation program to meet your specific needs and help you get back on a manageable budget. Consolidation is for you if you want: 
* Reduced creditor calls and waived late and over-limit fees.
* Help on reestablishing credit.
* Reduced payments.
* Reduced interest and finance charges.