Debt-management programs and credit counselors can help you negotiate lower interest rates
and sometimes even reduce payment amounts with creditors. They also can provide advice on budgeting. However, they charge fees for their services, and their use sometimes can negatively impact your credit rating. Let members of the Financial Planning Association of Greater Indiana help you decide whether it's right for your situation. You can visit their Web site at www.fpagrindiana.org.
Juli Erhart-Graves: Worley Erhart-Graves Financial Advisors
The short answer to your question is yes.
