The best replacement for credit counseling is debt consolidation.

Лучшие альтернативы к credit counseling можно упорядочить следующим образом:
★★★★★  debt consolidation
★★★★  debt settlement
★★★★  bankruptcy
★★★  debt relief
★★★  chapter 13
★★★  debt management
★  credit repair
★  debt negotiation
★  debt reduction
  settlement
  creditor settlement
  consolidation
  credit settlement

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credit counseling
debt consolidation
debt settlement