That's exactly right! in fact credit counseling as it exists today is essentially "client-side" collections. We're essentially trying to change that by 1. recommending behavior modification techniques focused around budgeting and responsible spending, 2. finding current avenues to find savings from creditors and reduce your monthly burden and so you see an immediate benefit and 3. reduce your long-term dependence on credit, at all. In a sense we are compiling the best advice out on the market today and packaging it into an easy to use software and guides you through the process step by step.