The traditional mental picture of credit counseling has an adviser and a client sitting together. The look-them-in-the-eye, get to really know them idea.
However, there seems to be a good chance that today's counseling session will take place on the phone or over the Internet. At least that's happening at Clear Point Credit Counseling Service, headquartered in Richmond, Va.
Clear Point was founded in 1979 by several community organizations, including a credit union, as Consumer Credit Counseling Service of Richmond. It was formed because of growing concern about problems with unsecured debt, especially credit card bills.
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