Consolidating debt can be done by taking out a personal loan, transferring balances to one credit card or going through a debt consolidating agency. Learn more about consolidating debt with tips from a consumer credit counselor in this free video on personal finance management. Expert: Maria Enomoto Contact: www.gotdebt.org Bio: Maria Enomoto works as a credit counselor for Consumer Credit Counseling services in San Jose, California. Filmmaker: Bing Hu

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Before filing for bankruptcy, try seeking credit counseling. Learn about the repercussions of bankruptcy with tips from a consumer credit counselor in this free video on personal finance management. Expert: Maria Enomoto Contact: www.gotdebt.org Bio: Maria Enomoto works as a credit counselor for Consumer Credit Counseling services in San Jose, California. Filmmaker: Bing Hu

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Handling creditors when unable to pay bills is done by contacting them and letting them know what can be paid and when. Keep creditors from calling with constant communication with insight from a certified public accountant and credit counselor in this free video on debt management. Expert: Jerrie Guthrey Bio: Jerrie Guthrey has been a certified public accountant and credit counselor since 1992. Filmmaker: Jack Guthrey

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Increasing a credit score can be done by making payments on time and keeping credit balances 30 to 40 percent of their overall limit. Enjoy a higher credit score by not closing out smaller credit cards with tips from a certified public accountant and credit counselor in this free video on debt management. Expert: Jerrie Guthrey Bio: Jerrie Guthrey has been a certified public accountant and credit counselor since 1992. Filmmaker: Jack Guthrey

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Consolidate debt by contacting a financial institution for loan opportunities or looking at existing credit cards with lower interest rates. Lower monthly debt payments through debt consolidation with insight from a certified public accountant and credit counselor in this free video on debt management. Expert: Jerrie Guthrey Bio: Jerrie Guthrey has been a certified public accountant and credit counselor since 1992. Filmmaker: Jack Guthrey

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