Credit Counseling

Credit counseling can be a rewarding and educational way to take control of your finances. Know the advantages and disadvantages to choosing credit counseling as your method of debt recovery. Weigh the options and choose accordingly.

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What is Credit Counseling?

Credit counseling offers sensible financial advice by professional credit counselors to educate consumers on how to get out of debt and use credit responsibly.

What does a Credit Counselor do?

Credit counselors do not report to credit bureaus and they do not issue loans. They do contact your creditors, everyone you owe money, and work out a payment arrangement with each one of them based on what you can afford to pay. Counselors can offer practical tips for creating and sticking to a budget, opening a savings account and significantly reducing your spending habits.If you find yourself in a challenging situation, credit counseling can be a very rewarding method of alleviating debt.

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How will Credit Counseling help me manage my debt?

Credit counseling is not a quick fix loan or a way to lower your debt, but can be a way for you to take control of your finances and eliminate your debts. Consumer credit counseling can teach money management skills that will help you throughout your lifetime. This method of debt recovery can help you better understand your credit situation and make you a more informed consumer. Credit counseling services can teach you to create a feasible personal budget, save money, better manage your household expenses, understand your credit and billing statements, and advise you on how to reduce your debt burden and avoid situations where you may have to declare bankruptcy.

When should I consider contacting a Credit Counselor?

If you find yourself worrying about money, using your credit card for daily expenditures such as gas and food, noticing no improvement in your finances and are not able to pay more than your minimum payment on credit cards, then credit counseling is a possible solution.

Consolidate your debt and lower your monthly payments now >>