Consumer credit counseling services has provided knowledge and experience to help Americans get out of debt!
Consumer credit counseling services offer “real” credit counseling with thoughtful solutions to help you get out of debt. Our services include debt management plans, credit counseling, bill consolidation programs and credit restoration resources that anyone in financial trouble can use.There are many ways to resolve financial difficulties and debt management plans or credit counseling are just a few ways we can help.
Debt management plans are for individuals up to 90 days late on their unsecured debts, and Credit Counseling is a completely legal, logical, and ethical way to get out of debt by reducing the outstanding balance on unsecured debt.
Deciding to take financial control is the first step. It can also be the hardest. If you are presently experiencing financial difficulty, let us help you find your path to financial independence.
Step 1: A credit counselor will contact you over the phone for a free credit counseling session. The credit counselor review your financial situation and suggest the right solution to your debt problems.
Step 2: With your approval, the credit counselor 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 credit counselor will also help you to avoid harassing calls from creditors and collection agencies.
Step 3: The credit counselor will provide you with budgeting tips so as to help you manage your money better. The credit counselor will also guide you on how to rebuild your credit and raise your credit score.
Whether you are facing an immediate crisis or just want to learn how to improve your financial health, our credit counseling services can help! Our counselors and educators offer non-judgmental advice, practical action plans and hope for a better future to people in all 50 states.
Credit Counseling professionals offer individual, confidential advice for creating budgets, managing money, using credit wisely and building savings.
Credit and debt advisors will review your current situation, and collaborate with you to determine the most effective financial strategies to address current problems and meet future goals. They also help you develop a personalized plan to get on stable footing and avoid financial pitfalls down the road.It can happen to any of us: A job loss. A natural disaster. A medical crisis. Any number of unexpected events could potentially lead to mounting debt--and even the most prepared individual is not immune.
If you're overextended, Credit Counseling or Debt Management Plans (DMP) provide a systematic way to pay down your outstanding debt. With a Debt Management Plan a Credit Counselor works with you and your creditors to design a manageable, tailored plan that will minimize monthly payments, interest and related fees--and reduce or eliminate those stressful collection calls. You make monthly deposits to the DMP agency, payments are disbursed monthly to your creditors, and your full payment is posted to the account.
The DMP takes approximately 36-60 months to repay debts -and once you've met these obligations, Credit Counselors help you reestablish your credit.
Credit Counseling is a proven successful approach to debt relief, which is suitable for consumers with large amounts of debt who are possibly considering bankruptcy. A Credit Counselor negotiates with the creditors to lower the monthly payment; while the debtor saves their money for installment payments. After the debt is paid, the creditor will send a letter stating the debt obligation has been fulfilled. In addition, the creditor will report to the credit bureaus that the debt has been, "Paid".
Contact us today and discuss your alternatives for a brighter financial future.
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