Ronald M. Ramos, senior director at Money Management International, in Warwick, says his company has seen a 15-percent increase in people enrolling in its debt-management plan over the last three months.
The company, a branch of the largest nonprofit credit counseling organization in the nation, offers free, over-the-phone counseling 24/7.
The debt-management program, which is tailored to each person, is not free.
Who's reaching out to the credit counselors?
Close to half are homeowners, according to Ramos
They have incomes ranging from $20,000 to $80,000 and are between 25 years and 64 years old.
More than two-thirds are women.
Men tend not to face up to problems as soon as women, he
says the biggest challenges their clients face are job loss, other loss of income, and excessive, unsecured credit.
"The average person coming to us has six credit cards and $21,000 of debt," he