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Debt Settlement

The major difference between a Debt Management Program and Debt Settlement Program is that through a DMP creditors are being paid monthly whereas in a DSP the creditors are no longer being paid until such time as the debtor has built up sufficient funds to allow the DSP company to initiate negotiation procedures to reduce the amount of the debt and enact a lump sum settlement.

Advantages:

  • Lower Monthly Payments.

  • Get out of debt quickly.

  • Eliminate Fees and Interest Charges.

  • Eliminate Harassing Phone Calls.

  • Improves Debt to Income Ratio.

Disadvantages:

  • Negative effect on credit.

  • Need to close all enrolled accounts.

  • Need to rebuild own credit at the end of the program.

For more information or questions please feel free to contact our Financial Resources Group at 1-800-435-1945.

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Affording College

The cost for college can be enormous and the best way to save money on college is to plan ahead and get started early. In fact, starting early in many ways can be the key to making college affordable. This parents' guide discusses various ways to save for a college education.

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"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.

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All Consolidated Credit counselors are certified personal financial counselors (CFC)
We’ve helped 5 million people get out of debt!
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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.

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Consolidated Credit Consulting Services, Inc.
has been verified as the owner or operator of the Web site located at www.consolidatedcredit.org. Official records confirm Consolidated Credit Consulting Services, Inc. as a valid business.
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Consolidated Credit is a Certified ISO 9001 company, as verified through Bureau Veritas Certification.
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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.
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Consolidated Credit is proud to be an ANAB accredited member. Accreditation by a recognized and respected body such as ANAB ensures the impartiality and competence of our company.
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U.S. Department of Housing and Urban Development - HUD’s mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. Consolidated Credit is proud to be a member of HUD and also part of the Hope Now Alliance.

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