| November 30, 2009

Credit counseling can help those facing credit card debt

Once people get behind on their credit card debt payments, fees and other charges could make it almost impossible for them to catch up.

In a recent article for CreditCards.com, Sally Herigstad, a certified public accountant, answered a letter from a person who got behind on their credit card debts. Because of difficulties with their personal finances, the letter writer also ended up making less than the minimum payments on their card. Eventually, the lender closed the account, though the late fees remained.

“Every time your payment is late or is less than the minimum, you pay a fee,” Herigstad said. “And every month your balance remains over your credit limit, you pay another fee.”

Herigstad noted one way people may be able to get out of debt when facing difficulties is through consulting with a credit counseling agency. There are a number of services these organizations can offer, including getting a personal debt consolidation loan.

Debt consolidation works through combining a person’s debt into one loan, which may come at a lower interest rate. One of the convenient things about debt consolidation is that it makes payment easier through a single bill rather than dealing with multiple statements every month.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

All Consolidated Credit counselors are certified personal financial counselors (CFC) We've helped 5 million people get out of debt! Call us today and see what we can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

The National Industry Standards for Homeownership Education and Counseling are a set of guidelines for quality homeownership and counseling services. Industry professionals who adopt these standards can be trusted to provide consistent, high quality advice.
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Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

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Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

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