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Credit Counseling

Credit counselors help consumers navigate through the confusion of debt reduction programs. With so many options, plans and terminology used in debt reduction, you'll be happier knowing that there is someone there who can answer the questions. Counseling, as it relates to your credit and debt, should be performed by a Certified Credit Counselor - One who is licensed through the National Associate for Certified Credit Counselors.

A credit counselor will spend approximately 45 minutes to one hour discussing your financial situation and determine how over encumbered your finances are. If it is determined that you have financial difficulties, then you may qualify for a Debt Repayment Plan with your creditors. You would then have to close out your credit card accounts so that one set payment can be established for you.

Not everyone qualifies for a Debt Repayment Plan. To find out if you are a candidate for debt consolidation, determine if your current interest rates are below 10%, you probably wouldn't receive enough of an interest rate reduction to justify paying the fees to set one up. Also, if you have more than $10,000 in credit card, department store charge cards, medical bills or phone bills, you may qualify. If you would like to find out if credit counseling or debt consolidation suit you, simply call our toll free number, 1-800-562-6737, or fill out the form and representative will reach out to you shortly.