Have you received phone calls from creditors about overdue bills more than once during the past six months? (legacylegal.com)
So, not only do you get more financial freedom, but you also get to avoid the harassment and embarrassment of constantly getting calls from creditors. (simplethriftyliving.com)
A reputable credit counseling agency can help you stop collection calls from creditors as well as lower interest charges and monthly payments. (debtfirms.com)