The counseling portion could be very educational. Your counselor however will advise that should you request a debt management program, that you not include those accounts until after the promotional rate has expired. This would be my advice as well.
They may also have additional strategies on how to deal with your debt successfully on your own.
Can you use credit counseling even if most of your credit cards are in the 0% intro phase?
absolutely, it could be educational as well
Can you use credit counseling even if most of your credit cards are in the 0% intro phase?
yes....
Credit Counseling Programs
http://www.complete-debt-info.com/catego...
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