What will happen if you drop out of a consumer credit counseling program?

I dropped out of consumer credit counseling years ago, and it was not a good experience. The credit cards that I had would not re-open my accounts and my credit report had a negative comment regarding "Consumer Credit Counselors", which is a red flag to any creditor that you needed assistance with maintaining your finances. Also, depending upon who your creditors are they will cancel the arrangements made with consumer credit counselors and go back to the original terms and agreement of your contract, along with any previous balances you had already occurred prior to signing up with a counseling service. My suggestion is if you start counseling, finish counseling.