A Guide To Credit Counseling
Debt counseling has become a $7 billion dollar industry, but not all of them play fair. 10 years ago the credit counseling industry was dominated by the National Foundation for Credit Counseling, who nonprofit affiliates, usually known as Consumer Credit Counseling Services, would [more...]
Date: 2009-01-04 13:00:09
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How Do Lenders View Credit Counseling Services?
Typically consumers that have overwhelming debt have two options, either enter into a Consumer Credit Counseling Program or declare Bankruptcy ... 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 [more...]
Date: 2008-12-09 00:04:36
consumer credit counseling
A consumer credit counseling service may be right for you if you are behind on your debts and not being able to make even the minimum payments. A reputable credit counseling agency can help to stop collection calls ... into one lower monthly payment. Some of them can help you have your debt paid off in three to five years [more...]
Date: 2008-11-28 02:21:05
Bogus and Scam Credit Counseling Groups Become Target Of Florida Legal System
TALLAHASSEE, FL - Attorney General Bill McCollum today unveiled his office’s latest consumer protection initiative in the form of a coordinated ... , all of which were purportedly offering debt relief services including credit counseling, credit repair, debt management, and credit card rate reduction services. “As more Floridians facing financial [more...]
Date: 2008-10-21 05:39:01
Personal Credit Card Counseling
Personal Credit Card Counseling January 7, 2009 at 5:00 am · Filed under Credit Card Consolidation div style=’float: right; width: 100px; ... the services and programs offered that can help someone to resolve a financial crisis./font/divpAll ... to do it or we don’t take the time. Either way, it can lead to debt overtaking our income and ability to [more...]
Date: 2009-01-07 10:00:36
Debt or Credit Counselling - Well worth Considering
In some parts of the world financial counselling is called credit counselling, while in some European countries i.e. United Kingdom it’s generally referred to as debt counselling. Whether using one expression or the other, the nature of debt or credit counselling boils down to one and the same meaning - getting an education process of [more...]
Date: 2009-09-07 05:44:48
CareOne Credit Counselling
CareOne Credit Counselling Posted by helpyourmoney, Updated January 9, 2009 (5 days ago) At CareOne, we’re not content to take a one-size-fits-all approach to debt relief or credit counseling. We work to provide you with the best debt management options in the industry. *Debt [more...]
Date: 2009-01-08 01:41:00
Difficult Credit Troubles May Find Aid In Consumer Credit Counseling
Quite a lot of options exist for those who have a dilemma running their cash including something called consumer credit counseling services. A person can turn to this kind of help if they have a dilemma with debt collectors, the incapacity to set up and preserve a workable financial plan or he or she seems to be unable of saving funds for retirement. [more...]
Date: 2009-09-29 18:00:51
What to Ask a Credit Counseling Agency
If you have decided to seek help from a credit counseling agency, never presume that all agencies have your best interests at heart ... in the agency’s debt consolidation program? If the agency’s income is dependent on client’s fees ... different types of debt issues? * How long does each counseling session last? A good agency should provide [more...]
Date: 2009-01-06 01:31:12
debt consolidation
we all are aware that the financial situation these days are not looking good, with companies cutting down employees and recession going on, ... that will help you compare the various debt management and credit counseling programs. and they even ... questions about credit related problems, credit card consolidation, and much more. but still [more...]
Date: 2009-01-08 05:15:44
Debt Relief
Are in debt over your head? Unfortunately, most Americans are and the bad economy right now isn’t helping them get out of debt any quicker! ... for you, they also have other solutions, such as credit counseling, debt consolidation, bankruptcy and credit card monthly payments. You will pay significantly less, though, if you’re able to take advantage [more...]
Date: 2008-11-14 19:53:21
Where To Turn For Financial Help
Hi All, We're busy running around DC taking care of our non-blogging lives. So, today's posting is a video from MoneyTalksNews ... and debt management. In this installment, they discuss the role of consumer credit counseling ... to consumer credit agencies. I DO endorse a trip to library so you can learn how to handle things yourself [more...]
Date: 2009-01-14 08:13:08
Credit Counseling And Bankruptcy
When the bankruptcy laws changed in 2005 mandatory credit counseling became a prerequisite for bankruptcy ... that asked about our debt, our budget, and our income. Since we had given that information ... complete, the software helpfully concluded that we had too much medical debt…..(Yeah…you think?? That’ [more...]
Date: 2008-12-01 15:39:25
Debt Counselors of America - What I Learned
In 1994 I decided I would start a non-profit charity to help find good solutions for bad debt problems, ... was named something with credit counseling in it. I figured that I did not want to counsel people about credit, but about debt, so Debt Counselors of America seemed like a much more logical name. And that’ [more...]
Date: 2008-10-29 03:48:48
Relief for Struggling Homeowners: A New Take on Loan Modification
If you’re struggling with the monthly payments on your mortgage in these difficult times or know someone who is, read on! ... to completion. Credit restoration, debt settlement and credit counseling services are also offered, meaning ... January Financial has evaluated a few different services and has partnered with one that we feel [more...]
Date: 2008-09-02 13:39:11
5 Credit Questions with Fair Isaac’s Barry Paperno
Following my guest post on my good friend JD’s Get Rich Slowly about How to Prepare for Buying a Home, ... , running their San Francisco Bay Area consumer assistance office. There we provided credit reports and counseling to consumers, investigated disputed credit items, and corrected credit reporting [more...]
Date: 2008-09-23 16:11:34
Financial Planners Weigh In On Debt Relief
Ever since launching this Bankruptcy in Indiana blog series, I've kept coming back to the topic of debt consolidation, debt settlement, ... between debt writeoff negotiation services, which "have a significant negative impact on your credit ... credit counseling, and debt repair, all forms of help being offered to debtors as alternatives [more...]
Date: 2009-01-14 12:13:43
More Article about Debt Consolidation
Credit cards and medical bills are all unsecured with no leverage on your home till such time as you make the mistake of a debt consolidation loan ... that you pay the credit counselor each month. Credit counseling services help individuals regain control over their finances by helping them reduce their debt in various ways. These services often serve [more...]
Date: 2009-01-03 09:06:04
Making Sense of Your Credit Report
by William Blake If you are trying to do the smart thing and take a look at your recent credit report, ... score. There is also credit card counseling services ... you will be extended any credit with a good rate of interest, if you were looking for a debt [more...]
Date: 2008-10-03 16:23:30
Credit card debt and a bad market are hurting debtors
Recently here in the superpower country the United States of America we are sensing the full blown result of what a economic slump can do ... in unsecured credit card debt are also the ones who are going through the most hardships. People should ... . These methods include the world renowned consumer credit counseling (CCCS), credit card debt settlement [more...]
Date: 2008-12-14 16:07:23
debt solutions center
.fullpost{display:inline;}Global crisis has happen in around the world and many company who has collapse because they do not have enough money ... Consolidation, Debt Consolidation Loan, Credit Counseling, Cash out Refinance, Retirement Benefits, Credit ... . Beside that there are money people who also has financial problem.Being in debt is not fun [more...]
Date: 2008-12-22 20:43:00
Credit card debt and a bad market are hurting US residents
Today here in the great country the United States of America we are sensing the full blown end product of what a economic slump can do ... in unsecured consumer credit card debt are also the ones who are going through the most problems. People ... about to get out of debt. These methods include the world renowned credit counseling, credit card debt settl [more...]
Date: 2008-11-05 00:02:15
Debt Consolidation: Will It Help Me?
We are in uncertain economic times.Many are falling behind in mortgages, student loans, car payments and credit card payments ... clearly explains what bankruptcy, debt consolidation, third party credit counseling and debt settlement ... will negatively affect your credit score and cause an increase in credit card interest rates.One of the best [more...]
Date: 2008-11-30 20:48:00
Finding The Right Credit Counselling Agency Is A Must
by Mr Bolden Imagine over the years your debts have somehow piled up to an unmanageable level ... individuals have found themselves in a situation where they are too deep in debt. Unfortunately ... credit counselling agencies were small and local services whose main function was to lend a hand [more...]
Date: 2008-12-24 07:02:56
What to Expect From a Consumer Credit Counseling Service?
There are thousands of people in times of today who are stressing over the increasing pile of bills and debts stacked on their desk. To help aid your frustration and soothe your tension, get to know about consumer credit counseling service and what to expect once you’ve signed up for them to help you. [more...]
Date: 2009-09-25 06:01:43
Rita Asks “Should We Consolidate Our Debt?”
Rita wrote to me through the GetOutOfDebt.org site and asked the following question ... . The other way would be to consider joining a debt management or credit counseling program, make ... that if you want to evaluate how a debt management or credit counseling program might benefit [more...]
Date: 2008-10-09 20:49:59
Loose Change: 1/15/09
houdini_CV_20090115092637.jpg Getty Images Personal Finance: -How to shop for legitimate, nonprofit credit counseling. SecretsForMoney ... -Members of the Pennsylvania State Employees Credit Union will be trailblazers in the free credit-score front. It’s an expansion of the “Scores on Statements” program. WSJ -Along with college [more...]
Date: 2009-01-15 14:30:54
(untitled)
Amazon.de Widgets If you want to take a loan to repay others, debt consolidation is the best bet. For paying down credit cards the most easiest way is to try a credit counseling program. One of the most assured measures to lower all your debts swiftly is here. Stop being at stake with striking debts, put them together into one debt consolidation program to have one low monthly payment. This can even help you control your monthly payment structure and keep you within a budget. [more...]
Date: 2009-09-15 23:43:02
Credit clean-up
"I really enjoyed reading your article about credit repair companies offering false hopes and essentially scams to consumers," ... try the Consumer Credit Counseling Service in Cedar Knolls. It is part of the non-profit National Foundation for Credit Counseling. Toll Free: (888) 726-3260 * Fax: (973) 267-0484 . http [more...]
Date: 2008-10-27 19:40:13
Debtors must go in for credit card counseling
by William Blake Credit card misuse is extremely widespread ... is rejected by banks or financial institutions. They must realize that credit card debt is an unsecured ... on you credit card more frequently than on a monthly basis. It is possible to make a payment whenever [more...]
Date: 2008-11-05 08:40:28
Family Finances: When you’re desperate, look out for fraud
At a recent home show, we were grabbed by a debt settlement company salesperson who offered to save us at least 40 percent in our effort to get ... Republican Searching For a Debt Consolidation Loan or Credit Card Counseling Service Beware Of Zombie Debt ... Collector? Bad Credit Debt Consolidation - Brutally Honest Advice Recent Debt and Foreclosure [more...]
Date: 2008-10-31 06:20:00
The Bad Credit Hotel Online Game
Are you suffering from too much debt? If so, then maybe you need to spend a night at the Bad Credit Hotel ... inside it? What is a credit score and where is it based? Information about credit counseling ... . It hopes to teach young people about responsible credit card use and educate them regarding debt [more...]
Date: 2008-11-23 18:14:40
Debt consolodation redefined
Are you getting vexed with irritating phone calls demanding you to pay your debts? ... in handling their credits and debits. They provide debt consolidation services, credit counseling services, and even free educational seminars to public. Credit card debt is the leading debt type [more...]
Date: 2008-09-10 16:22:55
Dealing with Credit Card Debt in a Tough Economic Environment
Nearly every American has credit card debt. Some is excessive and some is not, but according to recent news, ... you get your credit card debt under control. There are two kinds of credit counseling services, for profit ... the average debt owed to credit card companies is ten thousand dollars. Of course, you could [more...]
Date: 2009-01-03 00:24:15
How to Teach Teens to Spend Responsibly
As job prospects for college grads darken, many parents are weighing bailouts or other support for young-adult children with heavy debt loads, ... . Such a strategy, says Gail Cunningham, a spokeswoman for the National Foundation for Credit Counseling ... consumer item. To teach teens to avoid such problems, credit counselors suggest giving high-school [more...]
Date: 2008-10-08 13:49:01
Have You Considered Debt Consolidation?
One of the solutions suggested by debt specialists is debt consolidation, wherein accumulated unpaid debt can be paid through it ... , water, cable, internet connection, income and property taxes, credit card and transportation ... who do not include credit counseling first before offering options like debt consolidation service [more...]
Date: 2008-11-19 15:33:05
Money, Credit, and the Law – Know Your Rights
That’s the title of a valuable new video narrated by Professor Richard Alderman, director of the Center for Consumer Law at the University of Houston Law Center. The video, consisting of easily digestible short chapters, provides help managing personal finances, dealing with credit problems and debt collectors, responding when sued by a creditor, seeking credit counseling, or exploring the option of bankruptcy. The video can be viewed online or a DVD can be requested directly from Professor [more...]
Date: 2009-09-17 20:50:58
Loans Available to Aid in Debt Relief and Credit Management
by Carlton Ossinger Getting into debt is so incredibly easy ... of a professional. Debt consolidation companies and credit counseling ... . If you have more credit card debt than you would like, but are still able to do so, taking advantage [more...]
Date: 2009-01-11 09:06:20
A Personal Bail Out Program for Consumers Stuck in the Credit Crunch
PASADENA, Calif., Sept. 24 (SEND2PRESS NEWSWIRE) -- Credit Crunch Fix (CreditCrunchFix.com) ... mortgage payments, credit card debt and even utility interruptions. The attorney-created service is not debt settlement or credit repair, nor legal counsel. Credit Crunch Fix allows consumers [more...]
Date: 2008-09-24 16:49:15
Facts And Figures About Bill Consolidation
September 4, 2009 | By Imus Jackson In Finance | by Imus JacksonYour credit rating is becoming obscene, your bills are out of control, you have more debt than you can face or ever hope to pay off, and you cannot sleep at night because of all of this. What to do. Well, the best way to approach this situation is to get some help in the form of a credit counseling service that can initiate bill consolidation and start to get you back on the right track financially so you can enjoy life again [more...]
Date: 2009-09-05 03:22:15
Credit card crackdown coming soon!
The Fed is set to vote Thursday on a number of key protections for credit-card customers. Issue #1: America’s Money Crisis Oh Gee, Wow! ... to get out of the spiraling clinches of “Credit Card Hell” and take back your credit worth reputation. This is NOT– Debt Consolidation, Debt Settlement, Arbitration or Credit Consumer Counseling. Don’t even [more...]
Date: 2008-12-18 01:12:11
Holiday debts again... Can I file for bankruptcy more than once?
You have filed for bankruptcy once before and hoped that by using the skills you learned in your two credit counselling sessions, ... who has had debt problems in the past, they are incredibly disappointed to find themselves in this situation ... already. In our corner of Ontario, one problem many local people here in Cambridge are facing are lay [more...]
Date: 2009-01-16 00:11:27
Recent Financial Blog Posts
3 Cheap and Easy Formulas for Homemade Windshield De-Icer (Plus Bonus Tips) ... is amazing Consumer Credit Counseling Service, CCCS, NFCC, and National Foundation for Credit ... Endowment Style Portfolios for December 2008 Preliminary Credit Suisse Indices for December 2008 Nine [more...]
Date: 2009-01-12 23:23:15
The Plastic Generation
This is guest post from Debt Lead, who has a debt consolidation website by Kimberly Credit Counseling ... can be a quick way to financial disaster. Some signs include: being broke having a credit card balance unpaid ... work for the credit card companies. Here’s an idea to assist you. Pay for everything in cash! Until [more...]
Date: 2008-07-03 15:30:45
Debt Consolidation - FREEDOM FROM DEBT HAS NEVER BEEN THIS SIMPLE
Amazon.de Widgets For Immediate ReleaseFREEDOM FROM DEBT HAS NEVER BEEN THIS SIMPLEIt’s A New Approach To An Age Old Problem Fort Lauderdale, Florida –A New Horizon is a well established Credit Counseling company with over 14years experience as a 501(c) (3) non-profit organization assisting tens of thousands of individuals and families from all walks of life in regaining control of their finances. [more...]
Date: 2009-09-10 15:00:20
YOUR VIEW: Charles Merlis
We’re bailing out large corporations, it’s time to help the little guy ... us to spend on goods and services. Instead many people have used it to reduce their credit card debt ... For a Debt Consolidation Loan or Credit Card Counseling Service Source: YOUR VIEW: Charles [more...]
Date: 2008-10-28 03:36:43
How do you save money?
One of my hobbies is shopping. Two months ago I realized that every time my hubby and I go to the mall I can't help, but buy stuff ... this typically involves a debt consolidation loan, but could also be referred to as a credit counseling program ... ? Are you financially fit or are do you need a debt consolidation? Debt consolidation [more...]
Date: 2008-07-31 05:13:41
Control Your Debt to Eliminate it Entirely
by Michael Geoffrey Although nobody’s goal is to get themselves into debt, the reasons it happens are varied ... on realistic budgeting, credit counseling from a reputable organization, debt consolidation, or bankruptcy ... for their services, these companies will personalize a debt consolidation payment plan [more...]
Date: 2008-10-20 13:17:42
Discussing How Foreclosure Affects Your Credit Report
bankruptcy credit report Whether you’ve foreclosed or opted for a short sale, your credit report can show a poor score of as low as 380 ... Credit Counseling Service. “They’re going look at a foreclosure more seriously than ... , as you can steadily improve your credit score over the next few years by taking a few measured steps [more...]
Date: 2009-01-08 04:06:14
Debt Consolidation -FREEDOM FROM DEBT HAS NEVER BEEN THIS SIMPLE
Amazon.de Widgets It’s A New Approach To An Age Old Problem Fort Lauderdale, Florida –A New Horizon is a well established Credit Counseling company with over 14years experience as a 501(c) (3) non-profit organization assisting tens of thousands of individuals and families from all walks of life in regaining control of their finances. [more...]
Date: 2009-09-16 00:21:41
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