Debt Counselling is a legal process
whereby a debt-re-arrangement plan is put in place.
You pay 0% interest on credit cards and store store cards, and all your debt (including your car and house) are put onto a longer Term payment plan.
A legal process whereby you request the
courts to cancel all your debts.
Your house is bought by an investor,
which can then rent back from them for
4 years. Thereafter you have the option
of buying your house back.