I am a banker and have taught budget counseling for years. (manvsdebt.com)
If you are still having trouble balancing your budget, consider contacting an accredited credit counseling agency for a free budget counseling session. (consumercredit.com)
The goal is to lower your total payments each month on your credit cards and those using the service must also participate in budget counseling to help them avoid future problems. (think-creditcards.com)