Credit Counseling Search Offers

There are many credit-repair programs available that can help you manage and even eliminate your debt burden once and for all. From budgeting tips, self-help options, to debt negotiation services or bankruptcy counseling, you can find what you need through our network of qualified credit counseling providers.

Budget Counseling

Budgeting is often viewed as a dirty word by many Americans which is terribly unfortunate. A budget is little more than an organized plan for your money and finances - assigning a 'name' and destination for every dollar of your income and sticking to it. You'd be surprised at what setting up a budget can reveal about your spending habits; how much money is lost each month to eating out, going to movies (or renting them), or just 'nickel and dimed' away on other things.

Usually budget counseling is the first step and will be offered to most everyone who uses a credit counseling service. If you are still gainfully employed and discover with the counselor's help that your income is more than sufficient to meet your financial obligations, this may be the last step as well and with a little self-discipline on your part, you will be on your way to a new financial peace without further assistance. However, please make sure you do no fall for a credit counseling scam.

Debt Negotiation

Debt negotiations can take place on a personal level or a professional one. Personally, few people experience the success that a professional company can when it comes to negotiating debts. Debt negotiation is a process by which your credit card companies and other lenders are contacted and convinced to either lower the interest on your debt, forebear payments, or possibly even to settle the debt for a lump payment that can be as low as .50 cents on the dollar. Usually debt negotiations will require that you adjust your spending habits, and your lender may demand a closing of your account as a condition of the negotiation. Not suitable for every debt or situation, negotiations are usually recommended for those who may be out of work but with a reserve of money they can draw on to settle the debt.

Debt Consolidation

Debt consolidation can bring you peace of mind by bringing many debts that you may struggle with under one roof for a single, easy, monthly payment to a new loan. Just about any type of debt can be consolidated, and the new loan that takes over the old ones can come from multiple sources including a new credit-card, a personal loan, or the equity in your home if you are a homeowner. Usually offered only to those whose credit has not yet been seriously damaged by their struggles with debt, this option requires that you have enough income and remaining good credit to open yet another loan large enough to take on some or all of your other debts.

Bankruptcy Counseling

Offered only as an absolutely last result, bankruptcy counseling is a necessary service that is provided by many credit counseling services that you can find through this site. Congress mandated via law that in order to file for bankruptcy you must first fulfill certain requirements such as counseling and courses on money and budgeting, in an attempt to educate about the nature of money and debt and keep people from needing to file multiple times. Most people are unaware of when the actual point of "last resort" before bankruptcy has arrived. A professional counselor may be able to offer you other options that you were not aware of that can save you from this life-changing event.