Julian Credit Managment is a company that works for you - not for the creditors:
Debt can happen to anybody: financial problems, from high credit card debt to a bad credit rating are not necessarily the result of poor money management.
Situations beyond your control, such as the sudden loss of a job, unexpected bills, medical emergencies, divorce or death of a spouse can lead to difficult financial situations.
Their dedicated counselors can help you restructure your bills and make a payment plan that can cut years and thousands of dollars off your long-term debts like credit cards, mortgages, and other loans. Their debt management program can help you repay your debts: They help you establish a spending plan, determine your financial options, save money on interest and late fees, get your creditors off your back, and provide you with useful information.
How do I know if I need credit counseling?
The fact is, if you are even considering credit counseling, then you will probably benefit from their services. But there are some sure signs that will guarantee you are making the right decision.