Service Organizations that are established to assist consumers find a way to repay debts through careful budgeting and management of funds. They are generally funded by the LENDERS and as such their loyalty is to them in any settlement proposal. These are usually nonprofit organizations, funded by creditors. By requesting that creditors accept a longer pay-off period, the counseling services can often design a successful repayment plan, however the Creditor ends up paying off the entire debt in full for a very long time and as such can negatively affect their Credit Report.