Many people are in debt, and as much as they want to get out of their situations, they feel as if they have no other choice but to file for bankruptcy. This is a common mistake made by many people, because bankruptcy can be avoided through non-profit credit counseling.
Non-profit credit counseling is the type of counseling that benefits people who are heavily in debt, because they do not have to pay for the service. It is a sort of free help that will enable people to get rid of their debts. There are some credit counseling services that charge a fee, but this is not a practice of non-profit credit counseling.