Debt counselling is a very valuable process if you learn from it. It is easy to go through the process, pay off all your debt and find yourself back in the same situation a couple of years later. Understanding that the process can result in a permanently debt free lifestyle is crucial. Many people can’t wait for debt counselling to end so they can go back to their old ways and max out on the credit offers they are going to get. Don’t be stupid. Creditors will be very happy to get you taking as much credit as before, or more. It is up to you to resolve to stay debt free. Remember, once you have the debt it is difficult and costly to get rid of it. Use this opportunity to change to a permanent debt free lifestyle for the sake of your future and that of your family.