For some who are deep in debt, bankruptcy and consumer credit counseling may seem like the only options. But what’s it like to go through credit counseling? On AskMetafilter this morning, one user asks:

What actually happens when one goes through credit counseling and/or debt consolidation? I’m in an ugly mess and I’m scared–everyone tells me it’s not that bad, but that’s only in comparison to horror stories. I see that it’s not getting better anytime soon. Details inside–any practical advice is appreciated!

Several of the responses indicate people have had bad experiences with credit counseling. I may look into this more in the future.

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