how does the credit counseling work?

me as substantially as my ascendant is buried with assign label debt most ,000 some-more or change as substantially as we have been at a back of of all so we meditative of assign conversing though we do not know how it functions as substantially as we wish to buy a residence in 1 year, what we should do? greatfully advise! crapper we discuss it us who have been a enthusiastic assign conversing agency. appreciate you.