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Consumer credit counseling is a very beneficial option for individuals that are deep in debt and need help. One of the questions most people who are in debt have is how to know when they actually need credit counseling. Credit counselors aren’t much different from you, and you actually have the same rights as they do. This means that you could always try to negotiate with your creditors yourself first. If this doesn’t work well, then you may want to consider hiring a credit counselor to help negotiate the plan for you.