Debt Counseling Help – Some Useful Tips For You

Living beyond one’s means is a common phenomenon these days – a vicious malady afflicting today’s youth and mature adults alike. The craving to get the latest, the biggest and the best often at the cost of savings, leaves consumers with a rapidly depleting bank balance and a heap of bills to take care of. The more the consumers purchase beyond their power, all on the basis of credit, the more the accumulation of debts they have to clear. Most debtors have to seek the financial advice of debt counseling agencies to get clear their dues and get their finances in order. Continue reading Debt Counseling Help – Some Useful Tips For You


Credit Counseling For Bankruptcy – Here’s What You Need To Know

Credit counseling for bankruptcy is required by those who intend to take filing of bankruptcy as a way forward for their financial problems. All people who plan to file for bankruptcy protection are required to get a credit counseling session from an approved organization within 180 days of filing. Only the counselors and institutions that appear on US Trustee Program are permitted to provide the counseling. Also known as pre bankruptcy counseling, it entails an in-depth evaluation of your financial conditions. Continue reading Credit Counseling For Bankruptcy – Here’s What You Need To Know

Debt Counseling Services – Helping You Get Out Of Debt

If you are deep in debt and are unable to find ways and means of getting out of it, you would typically seek the help of a debt counseling service (also known as credit counseling services). This service is provided by credit/debt counseling agencies and debt management companies. The debt counseling services are offered on telephone, Internet and in local offices, and one must give preference to the one that offers services in-person. Continue reading Debt Counseling Services – Helping You Get Out Of Debt

Credit Counseling and Debt Consolidation – Measures to Clear Away Accumulated Debts

It is not a very pleasant situation to be in when the debts swell up and go haywire. Apart from catering to mounting debts and interests, it January test your mettle to deal with calls from creditors, debt collectors and attorneys etc. The journey on debt-ridden path is never easy. However, if you put on your thinking caps and make the right moves, you January steer yourself to a path of recovery. Here is an insight into two of debt management’s most powerful strategies – credit counseling and debt consolidation. Continue reading Credit Counseling and Debt Consolidation – Measures to Clear Away Accumulated Debts

Free Debt Counseling or Non-Profit Debt Counseling

Are you facing any personal, family or household debts and seeking to ease the burdens? Well, there are hundreds of non-profit debt counseling agencies that offer their services to debtors free of charge. They will assess the credit situation, help prepare a feasible budget plan, consolidate multiple debts and January negotiate with creditors for lower interest rates or better repayment terms. And if you are filing for bankruptcy, you will still need either paid or free debt counseling from a government-approved agency. Continue reading Free Debt Counseling or Non-Profit Debt Counseling

Christian Debt Counseling – an Effective Way to Reduce Debts

Christian debt counseling agencies offer the same services as all of the other credit counseling services, but their services are based on the Christian values of honesty, commitment, prayer and faith. They approach credit counseling with a Christian perspective. There will be no manipulation in debt management plan that January go against anybody’s interests. Continue reading Christian Debt Counseling – an Effective Way to Reduce Debts

Consumer Debt Counseling – Some Valuable Tips

There are many agencies claiming to offer consumer debt counseling services across the United States. They say they can solve your debt problems either by consolidating your loans, providing you a money management solution or by boosting your credit ratings. But it is not wise to believe them straightaway. So, before you choose an agency for consumer debt counseling, you must ask the following four questions and satisfy yourselves with the reply. Continue reading Consumer Debt Counseling – Some Valuable Tips