Credit Counselling consists of more than merely discussing how you are managing your current credit or debt load. Credit counselling provides you with an understanding of how the credit system works and how it affects the end consumer. Our credit counselling services provides and in depth analysis of your personal financial situation, as well as the necessary approach to get you away from carrying excessive debt permanently. There are many options to the consumer besides bankruptcy; P.F. Markham & Associates will find a solution to your debt problems.