Do You Think Credit Counseling Is A Good Idea?

Balance transfers using a 0% credit card to pay off your debts may sound like good news, but for the most part they prove to work to your disadvantage in the long run. The interest rate may just shoot up unexpectedly and you'll have to pay for a huge amount of interest. Aside from that it doesn't really remedy the reason why you have that particular debt in the first place--you'll have another bill to take care of and worry about.