Debt is part of our everyday lives and must be dealt with carefully and effectively.  We have learned to help you separate ‘good’ debt from ‘bad’ debt.  In terms of ‘good’ debt, we work with our clients as counselors to help them understand the nature of different kinds of debt, how they work and how to use them effectively to accomplish their goals.  There are times when taking on debt is the smartest thing that a person can do!  In terms of ‘bad’ debt, we work with our clients as counselors to help them manage and pay down debt, or in some cases, how to refinance the debt that they have to obtain better rates and greater efficiency.