4 Ways Debt Settlement Can Burn You<br />
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having late fees eliminated, and interest rates lowered—two key factors in helping you become debt-free fast.

If you’re looking for assistance managing your credit and debt in 2014, one helpful resource is The Association of Credit Counseling Professionals, or ACCPros. You can call the toll-free ACCPros Locator Line at (800) 635-0553 to speak with a certified credit counselor at an agency licensed/registered in your state.

Lynnette Khalfani-Cox is a personal finance expert and co-founder of the free financial advice site, AskTheMoneyCoach.com. Follow Lynnette on Twitter @themoneycoach and Google Plus.