One of the main concerns in economical and financial unstable times is to fulfill your credit obligations. But how do you meet your colossal debt payments in such tough situations? In desperation, you might end up filing a bankruptcy. Consumer credit counseling is an aid to come out of the difficult times and also a way to upgrade your credit score and choose some better ways like debt settlement or debt consolidation You need credit counseling, if you fall in one of the given categories.