Consumer Credit Counseling

Consumer Credit Counseling ServiceConsumer Credit Counseling in United States call (800) 254-4100 credit card debt consolidation, bankruptcy credit counseling, foreclosure counseling, student loan consolidation, bankruptcy course certificate, debt management plan, credit repair, free credit counseling, reverse mortgage counseling, and non-profit debt relief.

United States Consumer Credit Counseling Service is commonly a process that is used to help individual debtors with debt settlement through education, budgeting and the use of a variety of tools with the goal to reduce and ultimately eliminate debt. Credit counseling is most often done by Credit counseling agencies that are empowered by contract to act on behalf of the debtor to negotiate with creditors to resolve debt that is beyond a debtor’s ability to pay. Some of the agencies are non-profits that charge at no or non-fee rates, while others can be for-profit and include high fees. Regulations on credit counseling and Credit counseling agencies varies by country and sometimes within regions of the countries themselves. In the United States, individuals filing Chapter 13 bankruptcy are required to receive counseling.

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Posted by Consumer Credit Counseling in United States on Monday, August 15, 2016



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Consumer Credit Counseling Service in Mississippi

MississippiConsumer Credit Counseling Service in Mississippi call (800) 254-4100 credit card debt consolidation, bankruptcy credit counseling, foreclosure counseling, student loan consolidation, bankruptcy course certificate, debt management plan, credit repair, free credit counseling, reverse mortgage counseling, non-profit, get out of debt relief in Mississippi

Mississippi Consumer Credit Counseling Service is commonly a process that is used to help individual debtors with debt settlement through education, budgeting and the use of a variety of tools with the goal to reduce and ultimately eliminate debt. Credit counseling is most often done by Credit counseling agencies that are empowered by contract to act on behalf of the debtor to negotiate with creditors to resolve debt that is beyond a debtor’s ability to pay. Some of the agencies are non-profits that charge at no or non-fee rates, while others can be for-profit and include high fees. Regulations on credit counseling and Credit counseling agencies varies by country and sometimes within regions of the countries themselves. In the United States, individuals filing Chapter 13 bankruptcy are required to receive counseling.

Consumer Credit Counseling Service in Louisiana

LouisianaConsumer Credit Counseling Service in Louisiana call (800) 254-4100 credit card debt consolidation, bankruptcy credit counseling, foreclosure counseling, student loan consolidation, bankruptcy course certificate, debt management plan, credit repair, free credit counseling, reverse mortgage counseling, non-profit, get out of debt relief in Louisiana

Louisiana Consumer Credit Counseling Service is commonly a process that is used to help individual debtors with debt settlement through education, budgeting and the use of a variety of tools with the goal to reduce and ultimately eliminate debt. Credit counseling is most often done by Credit counseling agencies that are empowered by contract to act on behalf of the debtor to negotiate with creditors to resolve debt that is beyond a debtor’s ability to pay. Some of the agencies are non-profits that charge at no or non-fee rates, while others can be for-profit and include high fees. Regulations on credit counseling and Credit counseling agencies varies by country and sometimes within regions of the countries themselves. In the United States, individuals filing Chapter 13 bankruptcy are required to receive counseling.

Consumer Credit Counseling Service in Tennessee

TennesseeConsumer Credit Counseling Service in Tennessee call (800) 254-4100 credit card debt consolidation, bankruptcy credit counseling, foreclosure counseling, student loan consolidation, bankruptcy course certificate, debt management plan, credit repair, free credit counseling, reverse mortgage counseling, non-profit , debt consolidation relief in Tennessee.

Tennessee Consumer Credit Counseling Service is commonly a process that is used to help individual debtors with debt settlement through education, budgeting and the use of a variety of tools with the goal to reduce and ultimately eliminate debt. Credit counseling is most often done by Credit counseling agencies that are empowered by contract to act on behalf of the debtor to negotiate with creditors to resolve debt that is beyond a debtor’s ability to pay. Some of the agencies are non-profits that charge at no or non-fee rates, while others can be for-profit and include high fees. Regulations on credit counseling and Credit counseling agencies varies by country and sometimes within regions of the countries themselves. In the United States, individuals filing Chapter 13 bankruptcy are required to receive counseling.

Consumer Credit Counseling Service in US Virgin Islands

US Virgin IslandsConsumer Credit Counseling Service in United States Virgin Islands call (800) 254-4100 credit card debt consolidation, bankruptcy credit counseling, foreclosure counseling, student loan consolidation, bankruptcy course certificate, debt management plan, credit repair, free credit counseling, reverse mortgage counseling, non-profit , debt consolidation relief in United States Virgin Islands

United States Virgin Islands Consumer Credit Counseling Service is commonly a process that is used to help individual debtors with debt settlement through education, budgeting and the use of a variety of tools with the goal to reduce and ultimately eliminate debt. Credit counseling is most often done by Credit counseling agencies that are empowered by contract to act on behalf of the debtor to negotiate with creditors to resolve debt that is beyond a debtor’s ability to pay. Some of the agencies are non-profits that charge at no or non-fee rates, while others can be for-profit and include high fees. Regulations on credit counseling and Credit counseling agencies varies by country and sometimes within regions of the countries themselves. In the United States, individuals filing Chapter 13 bankruptcy are required to receive counseling.

Consumer Credit Counseling Service in Nevada

NevadaConsumer Credit Counseling Service in Nevada call (800) 254-4100 credit card debt consolidation, bankruptcy credit counseling, foreclosure counseling, student loan consolidation, bankruptcy course certificate, debt management plan, credit repair, free credit counseling, reverse mortgage counseling, non-profit, get out of debt relief in Nevada

Nevada Consumer Credit Counseling Service is commonly a process that is used to help individual debtors with debt settlement through education, budgeting and the use of a variety of tools with the goal to reduce and ultimately eliminate debt. Credit counseling is most often done by Credit counseling agencies that are empowered by contract to act on behalf of the debtor to negotiate with creditors to resolve debt that is beyond a debtor’s ability to pay. Some of the agencies are non-profits that charge at no or non-fee rates, while others can be for-profit and include high fees. Regulations on credit counseling and Credit counseling agencies varies by country and sometimes within regions of the countries themselves. In the United States, individuals filing Chapter 13 bankruptcy are required to receive counseling.

When will debt judgment disappear from credit?

Credit CounselingThe judgment clock will run for a lot longer than the credit-reporting clock. Here’s what I mean: In general, judgments remain enforceable for 10 years (in some states, such as my creditor-friendly state of Rhode Island, it’s 20 years) from the date entered or filed with the courts. However, many states allow the creditor to renew the judgment if it is not paid during the initial 10-year period. The creditor must return to court and request a renewal before the enforcement period ends. Considering that the creditor already spent some cash to get the judgment, chances are they won’t just let it expire.

What that means for you is that the creditor could choose at any time up until the judgment expires (which may include extensions) to execute the judgment. This means the judgment could be used to garnish your wages or file a bank levy or lien on your house or other property.

The only positive in this situation is that in September, the collection account will be removed from your credit report, which should boost your credit history. The judgment should also be removed from your credit report seven years from the date it was entered. The bad news is the judgment will still be there, even though you can’t see it on your credit report, lurking in the shadows, waiting for the worst possible time to leap out and surprise you. Expect that the creditor will decide to execute the judgment before it expires.

When was the last time you checked your credit report?

Because the judgment has not expired and is still enforceable, I suggest you contact the creditor that received the judgment and make arrangements to pay or settle what you owe.

If you come to an agreement, put it in writing. And don’t make any payments until you’ve received the written agreement and have had a chance to make copies. If you cannot afford to pay anything toward the judgment, consider borrowing the money from friends or family or selling any items of value that you might own. If you have no way to raise the funds needed, you may need to seek the advice of a bankruptcy attorney. Filing bankruptcy will prevent the creditor from executing the judgment against you.

Contact Consumer Credit Counseling at (800) 254-4100 for free credit counseling credit card debt consolidation, bankruptcy credit counseling, foreclosure counseling, student loan consolidation, bankruptcy course certificate, debt management plan, credit repair, reverse mortgage counseling, and non-profit debt relief.

Consumer Credit Counseling Service in Wisconsin

WisconsinConsumer Credit Counseling Service in Wisconsin call (800) 254-4100 credit card debt consolidation, bankruptcy credit counseling, foreclosure counseling, student loan consolidation, bankruptcy course certificate, debt management plan, credit repair, free credit counseling, reverse mortgage counseling, non-profit , debt consolidation relief in Wisconsin.

Wisconsin Consumer Credit Counseling Service is commonly a process that is used to help individual debtors with debt settlement through education, budgeting and the use of a variety of tools with the goal to reduce and ultimately eliminate debt. Credit counseling is most often done by Credit counseling agencies that are empowered by contract to act on behalf of the debtor to negotiate with creditors to resolve debt that is beyond a debtor’s ability to pay. Some of the agencies are non-profits that charge at no or non-fee rates, while others can be for-profit and include high fees. Regulations on credit counseling and Credit counseling agencies varies by country and sometimes within regions of the countries themselves. In the United States, individuals filing Chapter 13 bankruptcy are required to receive counseling.

Consumer Credit Counseling Service in Connecticut

ConnecticutConsumer Credit Counseling Service in Connecticut call (800) 254-4100 credit card debt consolidation, bankruptcy credit counseling, foreclosure counseling, student loan consolidation, bankruptcy course certificate, debt management plan, credit repair, free credit counseling, reverse mortgage counseling, non-profit, get out of debt relief in Connecticut

Connecticut Consumer Credit Counseling Service is commonly a process that is used to help individual debtors with debt settlement through education, budgeting and the use of a variety of tools with the goal to reduce and ultimately eliminate debt. Credit counseling is most often done by Credit counseling agencies that are empowered by contract to act on behalf of the debtor to negotiate with creditors to resolve debt that is beyond a debtor’s ability to pay. Some of the agencies are non-profits that charge at no or non-fee rates, while others can be for-profit and include high fees. Regulations on credit counseling and Credit counseling agencies varies by country and sometimes within regions of the countries themselves. In the United States, individuals filing Chapter 13 bankruptcy are required to receive counseling.

Consumer Credit Counseling Service in Florida

FloridaConsumer Credit Counseling Service in Florida call (800) 254-4100 credit card debt consolidation, bankruptcy credit counseling, foreclosure counseling, student loan consolidation, bankruptcy course certificate, debt management plan, credit repair, free credit counseling, reverse mortgage counseling, non-profit, get out of debt relief in Florida

Florida Consumer Credit Counseling Service is commonly a process that is used to help individual debtors with debt settlement through education, budgeting and the use of a variety of tools with the goal to reduce and ultimately eliminate debt. Credit counseling is most often done by Credit counseling agencies that are empowered by contract to act on behalf of the debtor to negotiate with creditors to resolve debt that is beyond a debtor’s ability to pay. Some of the agencies are non-profits that charge at no or non-fee rates, while others can be for-profit and include high fees. Regulations on credit counseling and Credit counseling agencies varies by country and sometimes within regions of the countries themselves. In the United States, individuals filing Chapter 13 bankruptcy are required to receive counseling.

Consumer Credit Counseling Service in Puerto Rico

Puerto RicoConsumer Credit Counseling Service in Puerto Rico call (800) 254-4100 credit card debt consolidation, bankruptcy credit counseling, foreclosure counseling, student loan consolidation, bankruptcy course certificate, debt management plan, credit repair, free credit counseling, reverse mortgage counseling, non-profit, get out of debt relief in Puerto Rico

Puerto Rico Consumer Credit Counseling Service is commonly a process that is used to help individual debtors with debt settlement through education, budgeting and the use of a variety of tools with the goal to reduce and ultimately eliminate debt. Credit counseling is most often done by Credit counseling agencies that are empowered by contract to act on behalf of the debtor to negotiate with creditors to resolve debt that is beyond a debtor’s ability to pay. Some of the agencies are non-profits that charge at no or non-fee rates, while others can be for-profit and include high fees. Regulations on credit counseling and Credit counseling agencies varies by country and sometimes within regions of the countries themselves. In the United States, individuals filing Chapter 13 bankruptcy are required to receive counseling.

Consumer Credit Counseling Service in Oklahoma

OklahomaConsumer Credit Counseling Service in Oklahoma call (800) 254-4100 credit card debt consolidation, bankruptcy credit counseling, foreclosure counseling, student loan consolidation, bankruptcy course certificate, debt management plan, credit repair, free credit counseling, reverse mortgage counseling, non-profit, get out of debt relief in Oklahoma

Oklahoma Consumer Credit Counseling Service is commonly a process that is used to help individual debtors with debt settlement through education, budgeting and the use of a variety of tools with the goal to reduce and ultimately eliminate debt. Credit counseling is most often done by Credit counseling agencies that are empowered by contract to act on behalf of the debtor to negotiate with creditors to resolve debt that is beyond a debtor’s ability to pay. Some of the agencies are non-profits that charge at no or non-fee rates, while others can be for-profit and include high fees. Regulations on credit counseling and Credit counseling agencies varies by country and sometimes within regions of the countries themselves. In the United States, individuals filing Chapter 13 bankruptcy are required to receive counseling.

Credit Counseling and Debtor Education

Credit CounselingQ: How does the debtor education final rule differ from the debtor education provisions of the Interim Final Rule?

A: The final rule is significantly different from the Interim Final Rule. Below is a list of some of the major changes (all references are to the Code of Federal Regulations, title 28):

Adds a definition of “limited English proficiency” to mean the language proficiency of individuals who do not speak English as their primary language or have a limited ability to read, write, speak, or understand English (§ 58.25(b)(21)).
Requires providers to obtain advance consent from the USTP to engage an independent contractor to provide an instructional course (§ 58.31(a)(1)).
Prohibits providers from using direct mail or electronic mail solicitations to contact debtors, unless the solicitations include a prominent disclaimer stating “This is an advertisement for services,” and prohibits providers from using seals or logos that may be confused easily with those used by any federal government agency (§ 58.33(c)(4)).
Requires providers who offer instruction by telephone or Internet to meet specific identity verification requirements. Additionally specifies that providers shall not provide diminished instructional course services because any part of the course is delivered by telephone or Internet (§ 58.33(e)(1) & (2)).
Adds a new instructional topic entitled, “Coping with unexpected financial crisis,” which consists of the following: (i) identifying alternatives to additional borrowing in times of unanticipated events; and (ii) seeking advice from public and private service agencies for assistance (§ 58.33(f)(5)).
Requires providers who offer instruction by telephone or Internet to incorporate tests into the curriculum and ensure direct oral or in-person communication with debtor students who fail the test, or receive marks less than 70 percent. In the case of Internet instruction, the provider may ensure communication with debtor students who fail the test, or receive marks less than 70 percent, by e-mail, live chat, or telephone, as long as the provider responds to debtors’ questions and comments within one business day. (§ 58.33(g)(3) and (4)).
Requires providers to make additional mandatory disclosures concerning fees associated with generation of the instructional course certificate prior to rendering any instructional course services (§ 58.33(k)(1)).
Adds specific recordkeeping requirements (§ 58.33(m)).
Establishes a presumptively reasonable instruction fee of $50 per debtor (§ 58.34(a)).
Creates a rebuttable presumption that a debtor lacks the ability to pay the instructional course fee if the debtor’s current household income is less than 150 percent of the poverty guidelines for a household or family of the size involved in the fee determination (§ 58.34(b)(1)). The poverty guidelines are updated periodically in the Federal Register by the U.S. Department of Health and Human Services under the authority of 42 U.S.C. § 9902(2).
Requires the USTP to review the basis for the mandatory fee waiver policy one year after the effective date of the rule, and then periodically, but not less frequently than every four years (§ 58.34(b)(2)).
Specifies that chapter 13 trustees who are approved providers may provide an instructional course only to debtors in cases in which the trustee is appointed to serve and may not charge any fee to those debtors for the instructional course (§ 58.34(e)).
Requires providers who publish information concerning their fees on the Internet to include their policies enabling debtors to obtain an instructional course for free or at reduced rates based upon the debtor’s ability to pay (§ 58.33(k)(2)).
Permits debtors to verbally request providers to send their certificates to their attorneys (§ 58.35(a)).
Requires certificates to be issued within three business days after instruction is completed (§ 58.35(b)). The certificate shall bear the provider’s incorporated name and shall identify the judicial district the debtor requests, the delivery method, the course date, the instructor’s name, and the debtor’s full name (§ 58.35(k)-(m)).
Requires certificates to be issued only in the form approved by the USTP using the Certificate Generating System maintained by the USTP (§ 58.35(d)).
Eliminates the requirement that providers provide original signatures on certificates (§ 58.35(j)(2)).

Q: May an individual with a power of attorney for a debtor (such as an incarcerated debtor) complete a debtor education course on behalf of that debtor?

A: Yes, if the power of attorney is valid under state law and grants the representative the authority under state law to file a bankruptcy petition. The debtor education certificate must list both the name of the debtor and the name of the representative along with that representative’s legal capacity (e.g. John Doe, as Attorney-In-Fact for Jane Doe).

Contact Consumer Credit Counseling at (800) 254-4100 for free credit counseling credit card debt consolidation, bankruptcy credit counseling, foreclosure counseling, student loan consolidation, bankruptcy course certificate, debt management plan, credit repair, reverse mortgage counseling, and non-profit debt relief.