Consumer Credit Counseling
Credit Card Debt Relief
Financial Advice at Little or No Cost!
Free Debt Consultation - Call 1800DEBT.COM
Consumer Credit Counseling Services are non profit organizations established to provide financial advice and credit card debt relief programs to consumers at little or no cost. They work directly with debtors and creditors and will work out a manageable repayment program that is typically approved by most creditors to get their clients on a sound financial path — and eventually out of debt.
As their name implies, these agencies provide consumers
with credit counseling services and a host of financial and money management educational courses, typically at very little or no cost, to ensure that debtors learn how to manage their credit card debt and financial affairs. In order to obtain credit card debt relief, a credit counselor may suggest enrollment in a Debt Management Program.
It is also important to understand that debtors who are considering filing for bankruptcy must first go through a Certified Consumer Credit Counseling Service prior to filing bankruptcy. As per the new Bankruptcy Act all potential bankruptcy filers must now undergo credit counseling via an "approved nonprofit budget and credit counseling agency" prior to filing for bankruptcy. Chapter 13 filers must also complete a course in “personal financial management” prior to filing for bankruptcy.
The new Bankruptcy Act of 2005 requires that all consumers seeking protection to complete a bankruptcy counseling session and receive a Certificate of Completion before filing bankruptcy. This provision ensures that consumers understand all of their financial options, and that they have the necessary knowledge and tools to develop a sound financial plan for their financial future.
Consumer Credit Counseling Services can be found throughout the United States. We strongly suggest that prior to engaging the services of any consumer credit counseling organization or other debt service that you first speak to several debt professionals. Obviously you can call anyone that you wish and speaking to 3 or more debt professionals may prove very beneficial in finding the right agency. So, by all means, be sure to check out the various resources listed on this page and website.
We highly recommend, however, that in your research you also call 1800 DEBT.COM for a FREE debt consultation. Calling this number you will not only be able to speak immediately to a "certified" debt specialist, but based on the area code you're calling from, your call will automatically be routed to a debt professional in your local area. Today, each state has their own laws, regulations and licensing requirements, so it's important to speak with someone who is familiar with your particular area.
In addition, the certified debt specialist will be able to assist you in various ways depending on your particular situation. So do yourself and your loved ones a favor and call right now and speak to a debt professional. The call is absolutely free, completely confidential and there is no obligation whatsoever. You truly have nothing to lose, except, that is — your debt!
Free Credit Counseling — 1800 DEBT.COM — Call Right Now
Credit Counseling Featured Articles:
The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 launched a new era: With limited exceptions, people who plan to file for bankruptcy must get credit counseling from a government approved organization before they file. Click to read more ...
Having trouble paying your bills? Getting dunning notices from creditors? Are your accounts being turned over to debt collectors? Worried about losing your home or your car? Click to read more ...
If you've recently lost your job, your first thoughts may be, "how will I make ends meet." Money matters are a source of stress and frustration for many people. Here are some of your rights when it comes to debt collection and credit reporting. Click to read more ...
The above 7 page article includes the following sections:
Introduction: Debt Management versus Debt Settlement
Seeking Relief Through A Debt Reduction Settlement
Debt Management Through Consumer Credit Counseling
Which Alternative is Right For You?
Important Facts That Must Be Considered
Credit Counseling and Financial Articles:
Questions to Ask When Choosing a Credit Counselor
Credit Matters: A Primer on Credit Card Use
Practical Advice For Everyone On How to Save & Manage Money
Mortgage Payments Out of Control? Here's What to Do
Ways to Cope Financially During and After a Big Change
How To Manage Your Debts To Regain Financial Health
Helping Your Money Last... After Your Last Paycheck
Taking Charge of Your Credit Cards
Guide To Understanding Foreclosure
Tips for Protecting Your Home From Foreclosure
Foreclosure Prevention Frequently Asked Questions
A Word of Caution For People On A Debt Management Plan
Deficiency Judgment (On Foreclosure Sale)
Small Claims Court
Strategies for Saving Money
On Loans and Credit Cards
Default: Failing To Meet Your Legal Obligations
Getting Your Finances Ready
For Your Golden Years
Your Alternatives When Faced With Financial Hardship
Insolvency: What It Means To Be Insolvent
What to Know Before Declaring Financial Independence
Charge-Offs: How it Relates to Consumers and Credit Report
Helping Disabled & Elderly Relatives With Money Management
Using Plastic: A Young Adult's Guide to Credit Cards
Credit and Your Consumer Rights
Write-Off: Uncollectable Debt
Guide To Understanding A Deed in Lieu of Foreclosure
Home Loans: How to Keep Costs from Going Through the Roof
Avoiding Credit and Charge Card Fraud
Tips For Parents:Teaching Children The Financial Facts of Life
After You Retire: Managing Your Expenses on a Fixed Income
Beyond The Statute of Limitation: Time-Barred Debts
Consumer Financial Rights: Federal and State Laws
Do-It-Yourself Debt Settlement & Debt Settlement Kit
FAQ Relating To Debt Cancellation and Foreclosure
Refinancing: Tips for Mortgages and Other Credit
Your Rights Under the Fair Credit Reporting Act
Your Rights Under the Fair Debt Collection Practices Act