how does the credit counseling work?

me as substantially as my father is belowground with credit label debt about ,000 some-more or reduction as substantially as we hit been at a back of of all so we meditative of credit conversing though we do not know how it functions as substantially as we desire to buy a residence in 1 year, what we should do? greatfully advise! can we discuss it us who hit been a great credit conversing agency. appreciate you.