What You Need to Get Started
- Account information of all unsecured debt
- Income and expense detail per month
- Co-debtor information
Credit Counseling Can Get You Relief from Debt
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What's Unique About Credit CounselingCredit counseling provides professional debt advice to consumers. It is geared toward educating consumers on how to avoid incurring debts that they cannot pay back. Professional counselors certified in credit counseling are hired by credit counseling organizations to help consumers find ways to repay their credit card debt – through:
For consumers who need additional credit card help, a credit counseling agency will negotiate with creditors to establish a debt management plan (DMP). DMPs, set up by credit counselors, usually offer reduced payments (which make the monthly payments more manageable for the card holder), fees, and interest rates for the client. Learn more about debt management. |
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Credit Counseling Service Can Benefit YouIn many cases using a credit counseling service can also benefit the client because various creditors view it as a move in the right direction – the card holder is making a serious effort to pay off their bills. As an added bonus, credit counseling agencies give clients valuable guidance on which debt relief options may work for their financial situation, the proper way to use credit cards, help generating a budget, paying bills on time, managing their personal finances to optimize financial health and, as stated earlier, a customized debt management plan so they can repay their lenders. Learn more about credit counseling services. |
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When You Should Get Credit CounselingDoes your financial situation scare you? Are you having trouble making ends meet each month? Do you have trouble figuring out where your money goes every month? Have you tried credit card negotiation and gotten nowhere? If you don't think you have enough money to make ends meet each month, then it’s time to get real about your debt problems and get credit card help. Credit counseling can help you explore your debt relief options, and figure out the best way to pay off your debts and manage your money. Not sure if you are spending the right amount of money on the right things? Review a quick chart on how Americans spend their money. |
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How to Choose a Credit Counseling AgencyConsolidated Credit Counseling Services, Inc. is one of many credit counseling agencies in the United States. Those who are in debt and believe they require assistance should carefully research the companies before doing business with them. Check out their website, speak with a counselor (and make sure that the counselors are certified credit counselors), ask for references, and find out if they are with the Better Business Bureau. Read more about choosing a credit counseling agency. |
Get Your Free Credit Counseling Session
Consolidated Credit Counseling Services, Inc. is ready to help you get out of credit card debt. Our credit counseling agency has been helping consumers pay off credit card debt since the early 1990s. You can call 1-800-320-9929 to speak with a certified credit counselor now or start your Free Credit Counseling Session online.
Want to know what your first credit counseling session will look like? Read more about your free credit counseling session or view some of our credit counseling FAQs. We also offer free credit counseling courses online.
Get Relief From Debt
Self-Help Booklets
| Coping with Financial Stress | |
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If you're under financial stress, you may be arguing with your spouse or family members about money, experiencing headaches or panic attacks, hiding bills or receipts from family members, or finding it difficult to sleep at night. Your eating habits may have gone south, and you may find it hard to make it through the day. Use this guide to help you deal with your stress. |
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