Category Archives: Credit Counseling

Four Easy Steps of Credit Counseling

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Ones that find themselves buried deep in debt often question what they should do to get out. Is a debt management program the right choice, debt consolidation, bankruptcy, self-management or credit counseling? With so many solutions to choose from, credit counseling is a great first choice to make because once you speak with a creditor, they will be able to analyze your current financial situation and recommend what should be your next step. It could simply be setting up a household budget or recommending a debt management program. Regardless, you don’t have to choose anything you don’t want to but the counselor will make a recommendation that will hopefully be the best solution to getting out of debt.

One of the main goals most credit counseling company’s have is to provide relief to financially distressed individuals and families. Some credit counseling companies also provide consumers with education and personal financial management tools that will teach them how to use credit responsibly and set a pace for a financially stable and successful future which is really important especially right after eliminating your debt because you don’t want to fall back into debt.

Once you’ve established a credit counseling company you feel comfortable with whether done by research, referral, or other reasons, here are four common steps to credit counseling to expect once on the phone with a counselor.

Step 1: During your first call you should feel that you are speaking with a highly trained and certified consumer credit counselor. You should be asked a series of questions in order to identify the root cause of your financial distress. Counselors want to ensure that they have a thorough understanding of the circumstances that have caused this financial burden so that they may provide a customized counseling session that’s unique to your personal situation. The more information the better and remember all this information is kept strictly confidential.

Step 2: Next, your counselor should conduct a financial analysis usually done by completing a monthly budget. This budget will provide an insight as to exactly how much money you are spending each month versus your total monthly household income. In addition to the budgeting assistance some companies can also obtain a portion of your credit report, which is something a lot of credit counseling agencies cannot do so its important while doing research to find this out because then you don’t need as much paperwork in front of you when making the call to the counselor. It also makes it easier, if you don’t have old paperwork, because a company that has the ability to pull up a portion of your records might be able to pull up paperwork that you don’t have. By viewing our credit report the counselor can verify specific creditor information and cross reference it with your personalized monthly spending plan. With this knowledge and a comprehensive understanding of your financial situation, you and the counselor can begin to find the right solution for you.

Step 3: The third step in the counseling process is to identify the appropriate solution for your specific financial situation. It’s good to have a variety of programs intended to aid individuals in eliminating their debt and achieving a financially stable life because everyone who calls a credit counselor isn’t going to be in the same situation so it’s better to have a variety of options to choose from to cater to specific needs. Throughout your counseling session, you should be advised of the company’s many resources which, one or more should effectively provide the financial relief you need.

Step 4: Once the solution has been identified, you should feel comfortable contacting your counselor who should be there to continue educating you as well as counseling you to ensure that the solution chosen is working effectively. The counselor you speak with first, who knows you and your situation, should be considered your own personal counselor where you can call on them opposed to having to share you story with another counselor. Let your counselor be your main point of contact, if any questions or concerns arise along the way.

Now that you know the steps to credit counseling, you should feel comfortable calling upon a credit counseling company if you are having financial troubles. More than 90,000 people turn to certain credit counseling companies for a helping hand each year. If you feel you might need help, try calling on a credit counselor just for some guidance, and remember you can simply talk to a counselor for advice, you don’t need to commit to anything. Non-profit agencies are great to consider because you know they want to help you with no other intentions while on the line.



By: Nathan Dawson

About the Author:
Nathan Dawson writes for http://www.inchargeorg.org a great online source for finance information in dealing with bad credit, debt management, as well as bankruptcy.



Credit Counseling guide

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With the advent of the creditcard, upcoming money lending organizations, online strategies to acquire instant cash etc., a steep rise is observed in the number of people running into debts. Almost half of the American population is burdened with debt that has been incurred with some or the other type of loan.

But if there are ways to run into debt, there are measures to come out of it and even prevent it. One of the preferred and common method is credit counseling. Since debt is a major problem nowadays in America, the credit counseling services have popped up all over the country. Some of these services are free while the others are not. But the aim of either is to get people out of debt and so relieve their anxiety.

Many people opt for the credit counseling services to pay off their debt and build their credit. A credit counseling service works in a very set or planned manner. Once you sign up with such a service, it begins calling around and negotiate new payback terms with your creditors. Most often the service succeeds in getting low interest rates but on the same hand in closing an account. This is because no creditor will give you little or no interest so you can get out of debt and then allow you to draw full advantage of that by spending more money through it.

So once the credit counseling service negotiates terms for payback, they start a payment system with you. In this system rather than sending separate checks every month to several different creditors, you will be required to send just one check directly to the credit counseling service. This money will go into a trust account and then the credit counseling service pays your creditors for you.

So since the credit counseling service company negotiates lower interest rates, you can save good amount of money every month. For if the interest rates are high, more and more money is accumulated for payment each month. The counseling service is thus beneficial in lowering your interest rates to a great extent.

Another merit is giving just a single check each month. This proves not just convenient to the person concerned but also save the trouble of keeping a record of details of all the checks sent.

Finally the credit counseling services enable you to ward-off your dents and build up your credit. The timely and regular payments will definitely improve your credit ratings. Eliminating your debt will also help you in future when you go to apply for a new loan etc.

But credit counseling has several shortcomings too. Firstly, all the accounts involved in this process will be closed. Moreover you will not be allowed to apply for a new credit card while you are in the program. So if you are under good amount of debt and avail the credit counseling service for few years, you will not have a credit card for those many years. So keep this thing in mind prior to opting for a credit counseling service.

By: Mansi Gupta

About the Author:

Mansi gupta recommends that you visit http://www.debtrelieflowdown.com/credit_counseling/index.html for more information on Credit Counseling.

How Do Lenders View Credit Counseling Services?

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Typically consumers that have overwhelming debt have two options, either enter into a Consumer Credit Counseling Program or declare Bankruptcy.   While the two options may have a lot of similarities, most will opt to enrolling into a Consumer Credit Counseling program for such reasons as it is more cost effective and easier to implement.

Many credit card companies and creditors realize that it would be more beneficial to actually work with debtors and make affordable payment arrangements than to pursue typical collection activities.  Instead they work with each of the individual’s creditors to come to some agreement that will result into a reduced single payment plan, a consolidation of their debt, and or a reduction of interest rates and late fees – thus making it possible for the debtor to repay his or her debts over a period of 3 – 5 years. Once enrolled, the debtor will make a single payment to the consumer credit counseling service, and then the counseling service will make all the payments to the creditors.

One of the advantages of credit counseling services is to educate their client about debt management and budgeting.

The main disadvantage of enrolling into consumer credit counseling services is that many creditors will make a notation on the debtor’s credit report indicating that the debt is being managed by consumer credit counseling agency.

Another major issue that a client may experience is, even though they are making their monthly payments to the credit counseling service on time, the credit counseling service doesn’t make the payments to the creditors on time. Now this will reflect on the client’s credit report as late payments.

And to add fuel to the fire, it is not uncommon for the credit counseling service to make the payments on time, while the creditors are not accepting the reduced payment amounts. This, too, would negatively affect the consumer’s credit report.

However, if you are in the market to purchase a home or refinance, it is important to find a mortgage expert that specializes in helping individuals that have been enrolled or that are currently enrolled in consumer credit counseling services.  The lender will request from the credit counseling agency a copy of the agreement which will indicating the date the consumer entered into the program, all the creditors involved, and the payment history of the consumer’s payments. From this information, the lender will then determine if the client qualifies for a mortgage loan.  FHA LENDER’S understand that if the consumer has been making their payments on time to the consumer credit counseling agency, but the creditors have been getting their payments late, then that’s not the fault of the consumer and shouldn’t penalize them from purchasing a home or refinancing their home.

It is important to note that many lenders view credit counseling services as similar to a Chapter 13 bankruptcy, because both can entail a payment plan and re-negotiation of debt payments. (And, in fact, some people who are using a credit counseling service do end up filing bankruptcy because they still don’t have the income or money management skills to handle the payments.) So, in some cases use of such a service can be a negative.

However, many FHA Lenders recognize that if a person is attempting to handle debt responsibly by enrolling in these types of services, then that person probably takes their financial commitments seriously. In general, in order to get a mortgage the borrower must have a 12-month history of paying on time and a letter from the counseling service stating that purchasing a home or refinancing will not interfere with the repayment plan.  Thanks to FHA Loans, consumer credit counseling services will not restrict the borrower from obtaining a low interest rate mortgage loan.



By: Marlon Baugh

About the Author:

Marlon Baugh is a nationally-known mortgage expert. Since 2003, he has specialized in FHA Mortgage Loans for people with Consumer Credit Counseling, Bankruptcies, Foreclosure or with other credit issues. If you would like a Free Copy or to get instant access to the remainder of this Insider Mortgage Report, please visit http://www.specializedfinancialsolutions.com/own-a-home.htm or Call 954-678-5796



What Service-specific Quality Standards Should Debt Consolidation Credit Counseling Agency Adhere To?

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Financial well-being is very important for all of us. Therefore, if you are facing a financial crisis and need to go to debt consolidation credit counseling agency to get yourself back on track then you must ensure that you opt for a professional and accredited agency. What does a debt consolidation credit counseling agency do for you? These agencies first analyze your financial situation. Then they work along with you and your creditors to develop a debt repayment plan that you will be required to follow in order to pay off your debts.

How to choose a debt consolidation credit counseling agency?

There are numerous debt consolidation credit counseling agencies that have mushroomed all over. Therefore, you must be vigilant in selecting an agency to turn to. One of the main aspects that you must check is if the specific debt consolidation credit counseling agency is accredited to any third party organization. This means that another organization confirms that the specific debt consolidation credit counseling agency follows high standards to provide high quality service to consumers. Which organizations provide accreditation to debt consolidation credit counseling agency? One of the most well known organizations that accredit a debt consolidation credit counseling agency is the Council on Accreditation of Services for Families and Children, Inc. (COA). This organization provides a guarantee that the specific debt consolidation credit counseling agency will adhere to set high standards to provide service delivery, counselor certification, fiscal integrity, and volunteer Board governance.

Accreditation by the COA can be a sure shot method to select your debt consolidation credit counseling agency because COA does not accredits any agency. They accredit only those agencies that meet their exacting standards. National Foundation for Credit Counseling (NFCC) is another organization that can provide accreditation to a debt consolidation credit counseling agency. NFCC-certified debt consolidation credit counseling agents are required to take a rigorous training and testing program. The debt consolidation credit counseling agencies must adhere to several service-specific quality standards to obtain accreditation. For example, they must annually audit their operating and trust accounts and adhere to all consumer disclosure requirements set by the Federal Trade Commission. The agencies must disburse funds daily and immediately in case of emergencies.

They must provide an assessment of reasons for financial problems, a comprehensive financial plan, and a written plan of action to each consumer. Finally, the debt consolidation credit counseling agencies must ensure that their clients receive at least a quarterly statement. Additionally, to get accredited to the COA, the debt consolidation credit counseling agencies must adhere to COA standards for service delivery and quality. They must cater to the requirements of cultural or ethnic population groups in the communities they serve. They must provide indiscriminate and equitable treatment and charge only a minimal fee from all consumers. They must start educational programs and employ NFCC-certified counselors. Finally, they must have a branch counseling network to provide client support.



By: Linden J. Walhard

About the Author:
Linden Walhard often produces detailed articles on things related to credit consolidation and credit loan. You can see his work on credit counceling over at http://www.creditenio.com .



Want To Get Rid Of Your Credit Card Debt: Opt For Credit Counseling

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There are many people who use their credit cards indiscriminately but do not know how to face their monthly credit card statements. Therefore, if your monthly expenditure exceeds your income then you need to go in for credit counseling. As the name suggests the credit counseling companies help you and provide advice on managing your debts and clearing them. However, even these companies are helpless if you continue to indulge and keep spending without adhering to any financial discipline. Therefore, if you want get control of your finances, work towards curtailing your needs. You must know the right time to approach a credit counseling agency for help. You must seek credit counseling services when you are unable to pay minimum credit card monthly payments and are regularly delayed in paying one or more of your regular bills.

Additionally, you must approach these agencies when you are regularly hunted by collection agencies and your creditors refuse to accommodate you any more. When any of the above listed situations arises, you must seek professional help. However, you need to be really careful in selecting the firm to approach. You must know that many credit counseling firms are set up just to make profits from poor already harassed individuals. Therefore, you must select only those firms that are accredited by the National Foundation for Credit Counseling or the Association of Independent Consumer Credit Counseling Agencies.

In most circumstances credit counseling is done free of cost. Therefore, you must be cautious of companies that demand very high fees to sort out your financial problems. In addition to this, after you have selected a firm, you must ensure that your payments are actually going to your creditors. Many fraud firms are set up in the name of providing credit counseling. However, these agencies fool poor debtors coming to them by not passing there money to creditors or passing the money quite late. An authentic credit counseling agency will never show you rosy dreams of a debt-free future. Therefore, you must always stay away from firms that paint false dreams. You must always try to look for genuine credit counseling companies who can tell you the actual result of low interest rate debt repayment.

A genuine credit counseling agency will inform you that your credit rating will go for a toss if you get a debt repayment plan drawn up. However, you must know that it is better to have a poor credit ranking then moving towards a negative rating due to bankruptcy. You must always keep in mind that bankruptcy can leave a black mark on your file that will last for a whole decade. Remember that creditors like individuals with no financial problems or outstanding debts. This is the goal that genuine credit counseling agencies help you achieve.



By: John Ca. Baker

About the Author:
John C. Baker continually publishes summaries on issues relating to credit consolidation and credit loan. His articles on credit counceling are published on his website .



The Need Of Credit Counseling

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Though the credit counseling services have been around us for some time, people are now recognizing the importance of this service. With the nose dived economic conditions, people around the Globe are unable to manage their finances and are really struggling to pay their mortgages. The housing loan service providers, who seemed very friendly when issuing the loan, now just want their money. To survive the tough economic period, the bank authorities are forced to take serious measures against the people who fail to pay the mortgages. Hence they will be pressurizing you to pay the mortgage with very high interests within a short span of time. Dealing with such a financial condition can be tough. This is where the credit counseling comes into play.

Surviving the nose-dived economic condition

With the rock bottomed economic condition, there are job cuts in every industry. We have seen many people to loose their jobs and struggling to pay the mortgages. For such people, credit counseling will be of much help. These credit counseling services prevent you from ending up in Foreclosure. Signing up with a credit counseling agency will be an excellent opportunity to protect all your assets. As the old saying goes, “Prevention is better than cure”, it is always better to join a foreclosure prevention program to avoid loosing all your assets in worse financial situations. You will be feeling comfortable with paying the mortgages in the initial stages. At some point of time, you will be feeling that you can no more make the mortgage payments in time. This is the period when you have to seek the assistance of foreclosure prevention service providers. The working principle of the credit counseling services will differ according to different regions. Some of the working methods of the credit counseling services are explained below.

Foreclosure Prevention in Pennsylvania

If you are a resident of Pennsylvania, you will be receiving an Act 91 notice if you fail to pay the mortgages in time. Once you receive the Act 91 notice, you should act fast in finding the best Foreclosure Prevention and debt counseling service provider to settle the debt smoothly. You will have about 33 days to find the best credit counseling service provider to temporarily stop the foreclosure process. With the help of Foreclosure Prevention services, you will be able to buy some time to settle the debt and protect your assets.

Foreclosure Prevention in other States

Foreclosure prevention in other States (say) California, Florida, New York and Ohio are done in a different manner. When it comes to foreclosure prevention in California or Florida, there are many options available. Some of the options are sheriff’s sale, a short sale, a deed in lieu of foreclosure and a loan modification. You should seek assistance of a credit counseling service provider to know what options are applicable to you.

Bottom Line

Time is of the essence when it comes to foreclosure proceedings. The foreclosure prevention services are indispensable to securing your assets.



By: Abby Reid

About the Author:

The Author of this article is an expert financial advisor. He has provided the much needed assistance to people around the Globe in finding the best credit counseling services. With his vast knowledge in Reverse Mortgage and Foreclosure he has written many articles regarding Housing Counseling in Texas.



Christian Debt Credit Counseling Can Help you Out of Debt Trouble

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Most of us land into debts whether knowingly or unknowingly, in order to keep up with the hectic pace if modern life. The installment schemes for every asset we purchase and the ‘buy now pay later’ option of credit card companies have opened up many unknown avenues for the unsuspecting consumer. By the time we realize the dangers of debt we are already overburdened with the excessive loan amount and find ourselves struggling to repay the multiple debts. At difficult times like this, most of the friends and relatives also shy away from their responsibility, lest the debtor asks them for a loan. However, there is a group of philanthropic individuals who have come together to provide Christian debt credit counseling to fellow Christians and provide the much needed moral and financial support at time of need.

The basic principles of any religions including Christianity, is that it is unethical to take a debt from any creditor as it puts the debtor under the power of the creditor. So the Christian debt credit counseling is also done, keeping this basic belief in mind. The debtors are counseled about their multiple debts and ways to consolidate them under a single roof. A low interest rate loan is also extended to the debtor in order to enable him to repay the existing debts while having a greater amount of dispensable income at the end of every month. Such kind of Christian debt credit counseling not only helps the borrower repay all his debts in due course of time but also lets him contribute more responsibly towards the needs and requirements of his family. The ability to repay his debts also instills a sense of confidence in him.

The Christian debt credit counseling is just the moral and financial support which an individual needs at times of extreme financial trouble. The counseling also helps to better plan out the monthly finances and properly distribute the available resources. Also, being free from credit and debts enables the individual to regain his self respect not only in his own eyes but also in front of the society and family members. Such kind of credit counseling therefore succeeds in strengthening the moral fibre of the society. Once the debtor receives support and guidance in coming out of his debts successfully, he is sure to realize the folly of his ways and abstain from such mistakes in the future. He will also provide wise counsel to his children and contribute towards creating a debt free society.

Most of the Christian debt credit counseling groups are philanthropic in nature and charge only a low rate of interest on their loans as their intention is to create a debt free society and not earn profits. However, it is better to do a little background research before you approach any such organization, because there are always some unscrupulous individuals who may try to take advantage of your debt ridden state and exploit you. Be careful about the counseling you get and the help provided and soon you can lead a debt free existence proudly.



By: Tom Frederick

About the Author:

Tom Frederick is a renowned debt consolidator and advisor and has been dealing with Christian debt consolidation programs. If you want to know more about Christian debt consolidation,Christian debt management,Christian debt relief,Christian debt credit counseling. You can visit www.christiandebtfreedom.com



How Consumer Credit Counseling Works

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Your phone keeps ringing but you are afraid to answer it because you know the calls are not from your friends or your family. Instead, your phone line is tight up by the harassing calls from your creditors or debt collectors demanding their money. As long as you don’t pay what you owe to your creditors, the situation will be continued and your debt will keep snowballing to a bigger level which you will find harder to resolve it later. Fortunately, there are ways to resolve your debt issue, and one of these is consumer credit counseling.

How consumer credit counseling actually works to help the debtors to resolve their debt issue? Let see how it works before you decide whether this debt solution is able to resolve your debt problem, or you need to find other way for debt relief. The key function of consumer credit counseling is helping debtors to rebuild and reestablish their credit by creating a debt repayment plan that fit the financial affordability of the debtors. When you approach a consumer credit counseling service, basically, you will go through three-part in a credit counseling program:

1. Financial Assessment

You will be assigned with a counselor who will perform an assessment on your financial condition to understand how badly your debt problem is. Not all debt conditions will best benefit from consumer credit counseling. Based on the assessment result, the counselor will let you know whether you debt issue will be best fixed by consumer credit counseling.

2. Establish A Restructuring and Repayment Plan

If your financial condition is applicable for consumer credit counseling, the counselor will help you to establish a debt repayment plan that fit your financial affordability. During the process of working out a debt repayment plan for you, the counselor will negotiate with your creditors to minimum debt interest rate or waive part of the interest. Normally, the credit counselor won’t negotiate the overall amount of your debt; instead they work on the interest. Hence, if you are hoping your total debt amount can be reduced after negotiation, then you will need to work with a debt negotiation company instead of consumer credit counseling. A debt repayment is established once an agreed terms and conditions are met between you and your creditors. You need to follow the debt repayment plan and work your way out of debt while restructuring your credit.

3. Credit Education

Then, the credit counseling agency will give credit education that teaches you how to manage your money effectively so that you won’t fall back into debt again after you get rid of it. The credit education can be the most important step which you should not avoid it because by learning about credit and money management help you keep your newfound financial freedom for the rest of your life.

Summary

The consumer credit counseling basically involves three steps to identify your debt condition; then it will propose a solution that involves a debt repayment plan; and finally provides credit education to help you stay out of debt forever.



By: Cornie Herring

About the Author:

Cornie Herring is a writer for http://www.debt-consolidation-1stop, a website that provides free information and resources for debt solutions. Check out how you can be debt free in 12 to 39 months.



Credit Counseling and Debt Consolidation for Credit Card Debt is Your Personal Bailout

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Credit counseling and debt consolidation for your credit card debt combined with a change in spending habits can help you survive in today’s crashing economy and prepare you for a healthy retirement in the future.

Credit card debt and unemployment are at record high national levels. While the government pits Democrats against Republicans to resolve national debt and consumer debt, you can take control of your personal debt and finances and develop a budget and personal finance plan to help you get out of debt now, and start saving for the future. Credit counseling can help you with debt consolidation and credit card debt faster than the House and the Senate can come to an agreement.

Credit counseling is available to guide you in formulating your own personal debt relief and savings plan. The economy isn’t going to change overnight, and the faster you consolidate your debt and begin your new savings plan, the better off you’ll be in the future. Credit counseling is a support system that can expedite your debt consolidation plan. The National Foundation for Credit Counseling reports that credit counseling can help 90% of the people seeking assistance with their credit card debt. It is common for the 10% that are unsuccessful in managing credit card debt to have deeper problems, such as a gambling addiction. In those instances, the addiction must be dealt with first before credit counseling can help.

A good indicator that credit counseling and debt consolidation can give you budgetary relief on your credit card debt is to examine your debt to income ratio. Total your monthly income, then divide it by your total debt. If it’s 20% or higher, credit counseling and debt consolidation can give you relief on your credit card debt. You won’t be instantaneously debt-free overnight, but you’ll be in a financially stable position far sooner than if you wait for the domino effect needed from a government bailout. The sooner you can start living within your means, the sooner you can start saving – which means more money for you when retirement or disability comes around.

The state of our economy didn’t happen overnight, and it won’t be cured overnight. Just as overeating leads to unhealthy weight gain, overspending leads to overweight debt. At some point it accumulated too much to be worked off easily. A plan of attack, or a strict diet, has to be made and followed to achieve healthy results.

The nation’s economic fall-down has its beginnings around a decade ago, when real-estate was determined to be a good investment, even though the real-estate market was still silently suffering from 1990 setbacks. Real estate became cheap, and Wall Street made it easy for people to buy homes. High demand for mortgages stirred up heavy competition, and the “subprime” market was invented to reel in new buyers with high interest rates. Economists and financial advisors have theories galore on what followed, but economists agree that consumer overspending and terrorist attacks were seismic shockwaves on the economy. The market trembled, and crashed. Today is the day to start rebuilding, and it can start with credit counseling and debt consolidation to resolve seemingly hopeless credit card debt.

Credit card counseling and debt consolidation for credit card debt is the first step to bail yourself out of debt and into savings. Get started on rebuilding your future. Get credit card counseling and consolidate your credit card debt. Design your own budget for the future – don’t wait for the politicians. Your future savings can start with your own debt recovery plan today.



By: avi

About the Author:

Looking for credit card debt solution?

Consumer credit counseling and debt consolidation can lower your monthly payments on credit cards and other unsecured debt.



Credit Counseling Agencies in Kansas

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Finding a credit counseling agency in Kansas should not be difficult. There are several great options to choose from, but be careful because there are many organizations that are not willing to put into the time to do more than sell you their product.

An accredited credit counselor will be able to analyze your credit situation and help you determine what steps you can take to become debt free. They can walk through a simple budget with you so you can analyze what income you have to spend and what exactly have you been spending it on. The credit counselor can talk to you about if a debt management plan might be a good solution for you and what exactly it means. They can also share with you the pro’s and con’s of other options you may be considering such as debt settlement and bankruptcy.

When looking for a credit counseling agency, check their record with the Better Business Bureau. They should have a satisfactory record. You will also want to find out the credentials of your credit counselor and the organization. They should be able to help you with your situation, demonstrating what options you have available to you as well as give you quality advice as to which would be the best for you.

There are good credit counselors available to you no matter what part of Kansas you live in. Residents of the western part of the state and in Garden City, Hays, Hutchinson, and Salina can talk to the counselors at Consumer Credit Counseling Services (CCCS), Inc. Those in eastern Kansas (Emporia, Lawrence, Manhattan) can contact Housing and Credit Counseling, Inc. for more information. Overland Park residents can talk to credit counselors at CCCS of Greater Kansas City and Mid Missouri, and those in Pittsburgh can contact CCCS of Springfield. Residents of Kansas City, Overland Park, Topeka, and Wichita should contact Vision Credit Education at (866) 832-2826 to receive credit counseling and find out what is their best option for eliminating credit card debt.

These Kansas credit counseling agencies are there to help Kansans understand their personal finances better and to help pay down their credit card debt. Contact a credit counselor today to help you gain your financial independence.



By: Ronnica Rothe

About the Author:

Ronnica Rothe is a graduate with honors from the University of Oklahoma and a current student at Southeastern Baptist Theological Seminary. She works with stopccdebt.com to help individuals get out of debt and reach their financial goals.