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Having trouble controlling your debt? You may require the services of a credit counselor. This can help you better manage your debt rather than letting it manage you. A credit counselor will ask you to bring in information on all of your debts. Your income will also be analyzed. It may be recommended that you consider ways to reduce your debt – like downsizing your home or car. A plan is developed which you need to follow to help you gain control over your financial situation.