If a person is behind on his debt payments and goes to a responsible credit counseling service, what help is likely to be offered?
a.They can cancel and cut up his credit cards without his permission.
b.They can force those who loaned him money to forgive his debts.
c.They can get the federal government to apply his income taxes to pay off his debts.
d.They can work with those who loaned him the money to set up a realistic payment schedule.