Dealing with Debt

Do You Need Free Consumer Credit Counseling?

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If you are in debt and owe a considerable amount of money to your creditors, you may be a good candidate for free consumer credit counseling. You shouldn’t have to worry about receiving continuous calls from collection agencies or how you’re going to be able to save for your eventual retirement. Credit counseling is available as a service to anyone who is struggling with the problem of unsecured debt such as credit card debt. It’s important to know your rights and how you can find free credit counseling.

How to Choose a Credit Counseling Organization –

The best credit counseling companies are reputable and will advise you on a number of financial aspects, including ways you can manage your finances and get rid of your debt the right way. They will help you create a budget for your spending and offer workshops or other free resources on how to effectively manage your money and deal with your debt issues.

Additionally, the right consumer credit counseling company should provide you with helpful information about its services without you having to give out details about your own personal situation. Any company that doesn’t do that should be avoided.

How to Find the Best Credit Counselor –

You can find a credit counselor by checking online and searching for credit counseling options. It’s important to know that you should ask certain questions to ensure that a counselor is right for you. These are a few examples of some questions you’ll want to ask:

What services do you offer? – Free credit counseling should offer a range of services, such as instructing you on how to maintain a budget and classes on money management. Avoid any company that claims your only option is a debt management plan before it has thoroughly taken the time to go over your finances with you.
Do you offer any free information? – You should know if there are educational materials you can obtain for free. Free educational articles can be very helpful!
Will the service help you to avoid future problems? – A credit counseling company should not only help with your immediate financial problem but help you to avoid future issues as well.
What are your fees? – Some credit counseling companies charge fees, but others, those that are non-profit and affiliated with the National Foundation for Credit Counseling (NFCC), provide free credit counseling services. The only exception is when you need a Debt Management Plan to help you get rid of your debt. A Debt Management Plan will have some fees involved.
What qualifications do your counselors possess? – Credit counselors should be accredited or certified. You should ask how they are trained and go with a company that employs counselors trained by a non-affiliated party such as the NFCC.

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Is a Credit Counseling Organization Appropriate for You?

After you have found the right credit counseling company, you have to decide which services are best for your situation. In some instances, you might merely need some counseling and may be able to settle your debt on your own. This is accomplished by contacting your creditors yourself and negotiating a way to be able to pay off your debt. Often, creditors are willing to overlook interest rates and other fees tied into debt simply so that they can be paid back. Some creditors may not be willing to work with you though and that’s where a credit counseling company can come into play. The creditors are probably more willing to work with the counseling agency.

Relying on credit counseling can also help you to get back on solid footing with your finances. No matter what, you must carefully read any terms in the contract or client agreement before you sign it. If there is a fee for the services, make sure you understand that. Information from the credit counseling company should be transparent and easy to understand as well.

If you’re ready to put your foot down and settle your debt problems once and for all, the experts at Advantage CCS can help you decide what’s right for you. The good news is that you can enroll in free consumer credit counseling and you can even do it from the comfort of your own home.

It’s Free and Convenient –

Free credit counseling won’t just help you solve your current debt problems; you’ll learn about your spending habits like never before and be able to prevent other issues from arising in the future. Unlike those generic credit information sessions, Advantage CCS pairs you with a credit counselor who will help you break down your expenses and recognize the root of your financial problems.

Free online consumer credit counseling gives you the time to review any receipts and other vital financial documents so that you can get the most out of your counseling session. By ensuring that your session is truly personalized, you’ll be sure to get the maximum results from participating.

Having a “debt monkey” on your back can not only destroy your credit score but also your peace of mind. Advantage CCS gives every consumer the opportunity to turn their bad situation around in just a few hours. Regardless if you’ve already looked debt in the face or you’re worried about the path you’re currently headed down, free credit counseling can help give you the guidance you need to get back on the right track.

With free consumer credit counseling, you’ll be able to enter your information online and once you are finished, the information will be reviewed by a professional and certified credit counselor. Through these free programs, you and your credit counselor will analyze your current situation and find solutions that are best for you. Unlike many other programs, you won’t receive generic information that isn’t catered to where you currently stand and where you’d like to be in the near future.

Author: Lauralynn Mangis
Lauralynn is the Online Marketing Specialist for AdvantageCCS. She is married and has two young daughters. She enjoys writing, reading, hiking, cooking, video games, sewing, and gardening. Lauralynn has a degree in Multimedia Technologies from Pittsburgh Technical College.