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Credit Counseling Program

Credit Counseling:

With all the debt related terminology out there it's no wonder people are confused when it comes to determining your options are. Let me help clear the air a little. Credit Counseling is the act of receiving counseling as it relates to your credit and debt and should be performed by a Certified Credit Counselor licensed through the National Association for Certified Credit Counselors. This typically involves a budget counseling session lasting about 45 minutes to an hour where a snapshot of your finances are taken to determine just how over-extended your finances are. If it proves that you are, in fact, suffering a hardship you may qualify for a Debt Repayment Plan with your existing creditors, which is also known as a debt consolidation program. This would require that you close the accounts you want to include in the debt consolidation and make one set payment throughout the term of the program. Not everyone qualifies for a Debt Repayment Plan. A good rule of thumb to go by is if your current interest rates are below 10%, you probably wouldn't receive enough of an interest rate reduction to justify paying the fees to set one up. If you would like to receive a budget counseling session free of charge with a Certified Credit Counselor simply call or fill out the form and we'll have one call you back within 24 hours.

Did you know: By paying the minimum payments on your credit cards, you could be paying forever?

Advantages of Credit Counseling
Get Informed

It is extremely important for you to know your options. Every debt situation is unique and deserves a unique plan.
Know Your Rights

There are so many important details the general public does not know. Credit counseling will help you better understand your rights.

Click here and join the millions of consumers across America and use our Credit Counseling program. Your other options are Debt Consolidation, Debt Settlement, and Bankruptcy as a way of getting out of debt!

You may call us 24 hours a day at (800)-CUT BILLS® (800-288-2455) for your free consultation.

DebtConsolidation.com has partnered with The Credit Exchange for Credit Counseling Program.