Credit help

Some people protest all the bustle and bustle of holiday shopping, but for most of us, it's fun to give and receive. December spending leads to January bills, and this is the busiest time of the year at credit counseling agencies.

Experts say you should seek help at the earliest sign of trouble.

Consumer Credit Counseling Service of Delaware Valley is a non-profit agency with certified personnel. They can put you on a debt management plan that pays off credit cards in three to five years, in most cases. That leaves you with a clean slate, while bankruptcy does not.

C.C.C.S. can help you in person at ten regional offices, by phone and on the internet.

Call them at 1-800-642-2227.

Click here to visit the Consumer Credit Counseling Service website.