All too often, first - time home buyers rely on their lenders for budgeting advice. (homebuyinginstitute.com)
The credit counselor may provide budgeting advice, a debt management plan and negotiate with creditors for lower rates and pay off your bills on your behalf. (debtconsolidation.com)
They will talk to you about your options and may speak to creditors on your behalf, help with budgeting advice or give you advice about other sources of government assistance. (moneysmart.gov.au)