Credit card debt is an ongoing problem since the credit was established in 1950. People went into debt at an astonishing speed. It was not very long before people were in so much debt that they could not pay it all back.
The federal government saw that Americans were over their heads. So they devised a plan and called it “Credit Counseling“. Credit counseling was established as a means for the average American to find out what steps they can take to alleviate his guilt.
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