Counseling for credit card debt is not for every situation. For one thing you must have some kind of available funds in the first place to offer as part of your credit card consolidation plan. This means having some kind of income.

If you don't have some kind of income that can prove that you will pay off your credit card debt consolidation loan in the future then many credit card debt counselors will simply take your fee for their advice and then promptly turn around and advise that you declare bankruptcy. That is because if counseling for credit card debt is to be effective, you as the debtor have to bring something to the table for your creditors.

Unfortunately most people see counseling for credit card debt as a temporary stalemate or necessary stopgap. Many people who apply for this type of counseling don't intend to pay off their debt at all but rather are just hoping for some kind of delay until they get a job or win the lottery. Many of them have no intention of paying.

Counseling for credit card debt is not for you if you secretly have no intention of paying. All you will be doing is costing yourself money and others their valuable time and resources.

The absolutely worse thing you can do is take out a home equity loan to satisfy credit card debt. Although most employees counseling for credit card debt will advise that you do this to get on top of your problem keep in mind that many of them secretly get a commission for luring you into the devil's snare of sub prime loans and state foreclosure laws should you miss a payment deadline. It is just too easy to lose your home so don't take this type of action unless it is absolutely necessary.