Do the consolidation and settlement companies help with budgeting if I seek help from them?
No. They don't help you with budgeting. A credit counseling agency or a debt management company can help you with budgeting. So if you want to know a few budgeting techniques, then approach a good credit counseling agency.
To seek the budgeting and better money management guidance, you need to consider credit counseling session. You can also go for debt management to get the service for free. Search online to get some good non-profit credit counseling agencies.
A consolidation or a settlement company may not able to help you in this issue. It is better if you seek help from a credit counseling agency or a debt management company. They can provide you the proper guidance and suggest you how to keep your finances on track.