Can any one tell me what the Con's are of taking a settlement over consolidation? I was going to use Consumer Creidt Counseling. A spoke to a counselor that called me from registering at this sight. I gave the counselor a run down on my history, but I did not have all the info she needed because they called me at work. She asked me to get everything together and give her a call the next day. Well when calling the next day, I was given to another counselor and told the one I had talked to the day before was no longer there.