Who to Call for Debt Relief
When it comes to relieving your debts, there are a variety of ways to handle the situation. One of the first questions people ask is often who to call for debt relief. You should know before calling anyone that every person's financial situation is different and what works for a friend or family member may not work for you. Also, don't be roped in by commercials for debt relief help – there are companies who are legitimate but in many cases there are also more beneficial routes to take. Unfortunately there are scam companies so a consumer in debt must be careful.
Debt relief help can be found through a variety of avenues. Legitimate debt relief companies can help you, however there is likely a fee charged. Make sure you understand the services you will be receiving and the cost for those services before signing anything. Also, checking the reputation of any debt relief company with the Better Business Bureau is wise. Consumer Credit Counseling, or CCC, is a nonprofit organization with many locations across the country that provides services free of charge. They work in the exact same way as the highly advertised debt relief companies do, only without the fees.
Whether you call Consumer Credit Counseling or one of the companies that charges a fee, they will handle your case in much the same way. First, you will need to gather proof of income and all your bills. This might include student loans, credit card payments, hospital bills and more. If the company or organization cannot handle student loan debt, the Department of Education can sometimes defer payments or reduce them to a manageable level for you. Time is of the essence, no matter what kind of debt you have.
You can also call your creditors directly for debt relief. You can negotiate with them just as credit counseling and debt relief services can. The only difference is that you'll be sending multiple payments to your creditors rather than one payment to a debt relief agency. These agencies will take your monthly lump sum payment and spread it out among your creditors, then as they are paid off one at a time the excess funds will be applied to your other creditors to pay them off more quickly. This is a viable option for anyone who feels overwhelmed and wants help getting out of debt.
Drowning in Debt? Local, non-profit credit counseling can help - KOMO News
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Jerry McTaggart, Founder of Christian Credit Counselors, Appears on Good . - San Francisco Chronicle (press release)
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National Foundation for Credit Counseling Launches Innovative New Tool to Strengthen Financial Health in the New Year WASHINGTON, DC-- - A new year means new resolutions, and for many those resolutions will include getting a better handle on managing their finances in 2012. The National Foundation for Credit Counseling ... | ||
Seminar set in Fort Pierce for struggling homeowners - TCPalm
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Credit Card Usage in 2012 Predicted to Increase A New Horizon Credit Counseling Sees Trend Developing. Credit card usage is poised to make a comeback in 2012 according to A New Horizon Credit Counseling Services, a non-profit agency that assists consumers withgetting out of debt and repaying their credit cards. EURUntil last year, we observed a noticeablereduction in credit card use in favor of debit cards. ... | ||
United Way expands to provide financial planning services United Way has teamed up with other area organizations to provide credit counseling, foreclosure counseling, career center mentoring, and assistance for those who may qualify.. | ||
Consumer Credit Counseling Service Celebrates 40th Anniversary With Event . - MarketWatch (press release)
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Consumer Credit Counseling Service Celebrates 40th Anniversary, Reveals New Name LAS VEGAS, NV-- - During a breakfast with the valley's top business leaders this morning, the formerly called Consumer Credit Counseling Service celebrated 40 years of community service and unveiled its ... | ||
Start Fresh Today and LegalPRO Systems, Inc. Form Strategic Partnership to Deliver Credit Counseling and Debtor . FORT LAUDERDALE, Fla., Jan. 30, 2012 /PRNewswire/ -- Start Fresh Today , one of the nation's largest providers of federally-required consumer bankruptcy courses today announced the integration of its ... | ||
Nonprofit Credit Counseling Agency Named Approved Adopter of National Industry Standards for Homeownership Education . Debt Management Credit Counseling Corp. http://www.dmcconline.org, a nonprofit credit counseling organization (EURDMCCEUR), has been named an Approved Adopter of the National Industry Standards for Homeownership Education and Counseling. Counseling organizations that adopt these standards use a set of guidelines for quality counseling. Individuals and families who want to be educated and counseled ... | ||
Home schooling: Class prepares first-time buyers for owning a house - Fayetteville Observer
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