Where to Obtain Free Credit Counseling Services

These days it is hard to get something for nothing. It seems that nothing is free anymore. However, one thing that you can get for no cost is free credit counseling services if you choose the right organization. You are going to need to go with a non profit credit counseling agency because these are the ones who provide their services to consumers at no cost. These non profits operate on donations, grants and the like. They do not take payment for their services.

The most famous of the non profit credit counseling organizations is Consumer Credit Counseling, which you may see abbreviated as CCC. This agency has locations all over the country and is a legitimate, well respected place to go for counseling and help. You will need to call an office near you for an appointment, this non profit is usually pretty booked. Before your appointment gather all your bills and proof of your income. While the services usually only apply to credit card bills, your rent/mortgage and utility bills can be helpful when figuring out what you can afford each month.

There are also Christian based credit counseling non profit agencies who offer their services free of charge. These agencies thrive on donations from the public, church attendees and grants. They work in the same way as Consumer Credit Counseling in that they add up all your debt, compare it with your income and help you work out a plan that suits you. Both Christan agencies and CCC will negotiate with your credit card companies to try and reduce payments which saves you money. They also consolidate the amount of your debt then divide it into monthly payments that you can afford.

Free credit counseling services are the way to go if you want to avoid paying more money to a company that you may not completely trust with your finances. While there are fee-based companies who are perfectly legitimate there are a handful who are not. The important thing when working with any credit counselor is to be honest about your debt and what you can afford to pay each month, then make your payment which the counselor will distribute among the companies you owe. It may take awhile, but if you stay the course you will eventually enjoy the satisfaction of freedom from debt.

 

 

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Credit Canada counsellor Randolph Taylor poses with jars of cut-up client . - Montreal Gazette

Credit Canada counsellor Randolph Taylor poses with jars of cut-up client .
Montreal Gazette
"I used to cut them up myself, but then I saw that having them do it themselves was a huge symbolic act," Taylor said, pulling out a pair of scissors from his desk drawer in the Toronto headquarters of debt counseling agency Credit Canada.

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Former state representative seeks debt relief through Chapter 13 .
Many people living in Pennsylvania continue to struggle financially. Some people may feel that their debt problem is out...


Wells Fargo Bank Commits up to $250,000 for ClearPoint Credit Counseling Solutions to Help Struggling Homeowners .
ClearPoint Credit Counseling Solutions to participate in Wells Fargo effort to extend home preservation services to help homeowners with comprehensive counselingLos Angeles, CA (PRWEB) February 02, 2012 ClearPoint Credit Counseling Solutions (CCCS) announced today that Wells Fargo, Americas largest mortgage lender, is committing up to $250,000 to ClearPoint to provide in-person and telephone ...


Debt Management Credit Counseling Relocates Office to Lighthouse Point, FL - PR Web (press release)

Debt Management Credit Counseling Relocates Office to Lighthouse Point, FL
PR Web (press release)
Debt Management Credit Counseling Corp (http://www.dmcconline.org), a nonprofit charitable organization ("DMCC"), announces new office location. New location is on a major South Florida thoroughfare and retail front, providing increased opportunity to .

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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 ...


NFCC Welcomes New Member to Credit Counseling Network
The National Foundation for Credit Counseling (NFCC) is pleased to announce that American Financial Solutions (AFS) has joined the NFCC network of nonprofit credit counseling agencies.Washington, DC (PRWEB) January 18, 2012 The National Foundation for Credit Counseling (NFCC) is pleased to announce that American Financial Solutions (AFS) has joined the NFCC network of nonprofit credit counseling ...


Newton nonprofit, National Guard to host veterans event in Framingham - Boston.com

Newton nonprofit, National Guard to host veterans event in Framingham
Boston.com
American Consumer Credit Counseling will provide financial counseling and resources to the service members at the Framingham Sheraton Hotel. The event is mandatory as part of the deployment cycle for about 260 local active military soldiers, .

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AdvantageCCS Gets Approval to Expand Bankruptcy Counseling to 13 New States
Advantage Credit Counseling Service is now able to offer bankruptcy counseling to 38 states total. ACCS has completed over 5,600 bankruptcy counseling sessions in 2011.Pittsburgh, PA (PRWEB) January 28, 2012 Advantage Credit Counseling Service, Inc. (ACCS) has recently been approved by the Executive Office for the U.S. Trustee (EOUST) to expand its pre-filing bankruptcy counseling services to 13 ...


Start Fresh Today and LegalPRO Systems, Inc. Form Strategic Partnership to . - MarketWatch (press release)

Start Fresh Today and LegalPRO Systems, Inc. Form Strategic Partnership to .
MarketWatch (press release)
30, 2012 /PRNewswire via COMTEX/ -- Start Fresh Today, one of the nation's largest providers of federally-required consumer bankruptcy courses today announced the integration of its pre-filing credit counseling and post-filing debtor education courses .

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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 ...


Wells Fargo Bank Commits up to $250000 for ClearPoint Credit Counseling . - PR Web (press release)

PR Web (press release)

Wells Fargo Bank Commits up to $250000 for ClearPoint Credit Counseling .
PR Web (press release)
By way of this relationship, ClearPoint will be able to offer personalized counseling to help bring relief to homeowners in distress nationwide. ClearPoint Credit Counseling Solutions (CCCS) announced today that Wells Fargo, America's largest mortgage .

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A New Horizon Credit Counseling Reports Bankruptcies Fall in 2011 - PR Web (press release)

A New Horizon Credit Counseling Reports Bankruptcies Fall in 2011
PR Web (press release)
A New Horizon Credit Counseling Services is a nonprofit debt management organization that has been helping consumers since 1978. Steven Stark, COO of A New Horizon Credit Counseling Services, said, EURThe reason for the decline can be attributed to more .

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Local credit services can help - Parkersburg News

Local credit services can help
Parkersburg News
Consumer Credit Counseling Service of the Mid-Ohio Valley is a nonprofit community service agency providing financial counseling services in Parkersburg and nine surrounding counties since 1971. The agency has a number of tips for dealing with .

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Consumer Credit Counseling Service Celebrates 40th Anniversary, Reveals New Name - MarketWatch (press release)

Consumer Credit Counseling Service Celebrates 40th Anniversary, Reveals New Name
MarketWatch (press release)
LAS VEGAS, NV, Jan 26, 2012 (MARKETWIRE via COMTEX) -- 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 new name and .

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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 ...


Warnings against quick cash tax returns - KSDK

Warnings against quick cash tax returns
KSDK
By Mike Rush St. Louis (KSDK) - The Better Business Bureau and credit counselors want you to stay away from plans promising quick cash back when you file your taxes. They are called "refund anticipation loans", or RALs for short.

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