Our Promise To You: Consumer Credit Counseling Killeen TX will help you get out of debt totally for free. All you have to do is tell us your situation, ask us your question and consumer credit counseling Killeen TX will help you find a honest and truthful solution to resolve your debt and credit situation. We Are Here For You!
Debt without any collateral that can be taken back if you don?t pay.
Examples: credit cards, dept. store cards, personal loans, cell phone bills, legal bills, medical bills, credit lines, health club memberships.
No mortgages, auto loans, etc.
Step 1: A debt consultant will contact you over the phone for a free counseling session. He'll review your financial situation and suggest the right solution to your debt problems.
Step 2: With your approval, the consultant will start contacting your creditors for a negotiation. The purpose here is to reduce your outstanding debt amount or lower interest rates and eliminate late fees/penalty charges. The consultant will also help you to avoid harassing calls from creditors and collection agencies.
Step 3: The consultant will provide you with budgeting tips so as to help you manage your money better. He'll also guide you on how to rebuild your credit and raise your credit score.
Consumer credit counseling Killeen TX is a process that involves offering education to consumers about how to avoid incurring debts that cannot be repaid through establishing an effective Debt Management Plan and Budget.
Consumer credit counseling Killeen TX is usually less typified by functions of credit education or the psychology of spending habits, rather credit counseling establishes a planned method of debt relief, typically through a Debt Management Plan (DMP).
Consumer Credit counseling Killeen TX negotiates with your creditors to establish a debt management plan (DMP) for you. A DMP may help you repay your debts by working out a repayment plan with your creditor(s). DMPs, set up by credit counselors, may offer reduced payments, fees and interest rates for you.
A consumer credit counseling Killeen TX representative will speak to your creditors to assist in stopping the harassing phone calls from your creditors, reduce your monthly payments, and consolidate your unsecured credit card debt into one low monthly simple payment that should be affordable to you. In turn this should reduce the number of years to pay off your credit card debt.