What are the pros and cons of consumer credit counselling and debt consolidation?

Question by Blk Angel: What are the pros and cons of consumer credit counselling and debt consolidation?
Hello, I am in desperate need of some advice as my situation is just getting out of hand. I used to have a credit score of almost 800 about 2 years ago. Now I dont even bother to check my score anymore. I made the mistake of getting some rental properties with ARMS. As time passed, bad tenants, rising interest rates and a recent wedding have REALLY put me upside down. I have tried and

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