Find Solutions to Help You Get Out of Debt and Avoid Bankruptcy

Credit Counseling

Credit Counseling Service Agencies offer debt counseling services, and can also put together debt management plans (DMP) to pay off your debts. It is a good option when your situation is not too serious and you have under $10,000 in credit card debt. While it can be a little less damaging to your credit, it is typically more costly than enrolling into a reputable debt settlement program. This is due to the fact that you may have to pay some fees and interest as well as most or all of your current debt.

While reputable Credit Counseling agencies offer their services free to you or at a low charge, it is important for you realize that when you are enrolled into a DMP, they usuallly work in the best interest of the creditor, not you. They typically make most of their money from fees they collect from your creditors as you pay off your debts. Given that fact, Credit Counseling is still a great alternative if you are not a candidate for debt settlement and a good program will have you free of debt in 5 years or less.

When working with an accredited agency, their credit counseling services can assist you in reorganizing your finances. If they determine that you would benefit from enrolling into a DMP they can use their alliance with the creditors to reduce or eliminate late fees or interest and may even get some of your balance reduced. CCCS will have a negative impact on your credit, however it is not permanent. Your credit can be rebuilt and restored.

When picking a Credit Counseling agency, make sure they adhere to AICCCA (Association of Independent Consumer Credit Counseling Agencies) standards and charge low fees. Ask several questions. It also helps if they provide online counseling and account management. Check out the BBB and ask for references.

If you would like to talk to a Credit Counseling agency we work with, simply fill out the form to the right. Selecting less than $10,000 in unsecured debt will tell us to send your contact information to a trusted Credit Counseling agency. Select over $10,000, and your information will be sent to a Debt Settlement expert.

  1. Types of unsecured debt include: credit cards, personal loans, gas cards, department store cards, apartment lease judgements, medical bills, etc. Secured debt such as your home or car cannot be included in the program. However, if your car is repossessed or you foreclose on your home, our partners may be able to resolve what you still owe on those loans.
  6. - -
* Required

All debt relief consultations are provided for free,
with no obligation required.


Valid XHTML 1.1 Valid CSS!