Product DescriptionDo credit counseling services really help people or are they merely dishonest schemes out to defraud consumers?Every business has good guys and bad guys, and the credit world is certainly no exception. To protect yourself from the bad guys, you need to know how to distinguish who are legit and who’s a rip-off. Illegal credit counseling services have these obvious marks on them:• They ask for an unusually high service fee in advance.