If you are one of the millions of consumers who experience financial strain due to a lot of debt, you should be able to benefit by speaking to a debt counsellor. A Debt Counsellor will be able to place you under debt review, which will enable him to restructure your debt. As long as you keep paying the amount he negotiated for you, you will be legally safe. It is one of his duties to make sure that there will be enough funds available for you to live and pay for other expenses like school or unforeseen things.
The Debt Counsellor will prepare a budget for you which will calculate your income and expenses. The budget will also indicate as to how much you will be able to afford to pay towards debt. The amount available to pay towards debt will become your new restructured amount. This is the amount the Counsellor will use while negotiating with your credit providers.