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If you are considering debt-consolidation options, avoid these misrepresentations: Credit counseling involves helping consumers develop a budget and the discipline to make steady payments to clear their debt loads. "Most of these individuals make a decent living, but at the end of the week don't have enough money and don't understand why," says Joel Greenberg, president of New Jersey-based Novadebt.

Debt-management programs -- or DMPs as insiders like to shorten it -- are one tool in the credit counselors' kit.

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View the Total Cost of Borrowing Before you apply, we encourage you to carefully consider whether consolidating your existing debt is the right choice for you.

When Norm Bour was 24, credit was so hard to come by he couldn't get a gas station company credit card without begging.

While it's important for you to get a handle on your debt, how you go about it is just as important.

Basically, the DMP plays policeman, taking your monthly lump-sum payment and distributing it to your creditors until the accounts stand at zero. According to Greenberg, less than 35 percent of the people who call consumer credit counseling agencies truly can benefit from a DMP. This is a numbers fudging claim that holds true only in the narrowest of circumstances.

For instance, if you miss two 0 payments on a ,000 balance, the third month's bill will make it 0 that you owe.