Do you know the difference between credit counseling and debt consoladaion?  One will get you back on your feet, the other could result in being taken to court.  

Gerri Detweiler, the education director for Nav, explains the best practices for getting out of debt or not running into problems to start with.

1. If you can eat it, drink it or wear it -- don't charge it
2. Never pay just the minimum balance

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