Which companies are best?

steph....as a registered member you can take advantage of our free consult...they can explain the difference and connect you with agencies in your area.

Hi Steph

With debt consolidation you are taking out a single loan in order to consolidate all your multiple debts. To combine the debts this, you have to transfer your debts from the multiple accounts to a single account, such as a home equity loan or line of credit.

With credit and debt counseling services,you have to make payments to the counseling company, which in turn makes payments to your different creditors. In this case the debt is not really consolidated but yes managing debt becomes easier. But you have to be careful of the fly-by-night debt counseling services

You can avail the free consultation services that is provided here to know more about it.

take care
Nelly