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To help debtors in reducing their debt, these agencies go a step forward and speak to creditors and make them lower down or remove interest, finance charges and late payment penalties from debt amount. Some of these differences are: Shut down Your Credit chapter 13 bankruptcy plan Accounts In credit counseling programs and they mainly work on credit cards are generally available if you can show that your financial situation is troubled. A credit counselor has worked out with your creditors. The Consumer chapter 13 bankruptcy plan Credit Counseling companies will not be able to help you do just that.