Debt is an American epidemic that plagues the majority of the population. Sometimes income is no sooner earned than it is spent in trying to get out of debt. Credit cards are the most common culprit. They are relatively easy to obtain and certainly very easy to use. That’s just the problem. Massive credit card debt can be racked up in a few short hours, but it can take years to pay it off.
Before long, the credit card payments that you’re making each and every month just don’t seem to make a dent in the principal balance. The interest rates are high and if you’re late with just one payment, the fees escalate.
It is at a time like this when free credit counseling can be a lifesaver. A credit counseling session doesn’t mean you’re declaring bankruptcy nor does it magically erase your debts. Instead, an experienced and certified credit counselor works with you to determine the exact amount of your unsecured debts and, if appropriate, devises a Debt Management Plan that can actually get you out of debt and put an end to the cycle of credit card payments that don’t seem to make any difference.
When you work with a certified credit counselor from a non-profit agency, the biggest advantage you’ll receive is a workable and achievable debt management strategy. Your interest rates will be reduced, late and over-the-limit fees may disappear, and you’ll have just one manageable monthly payment to make. The beauty of the plan is that it simplifies your finances while also enabling you to begin living the debt free life you’ve always dreamed of.
Free consumer credit counseling is not an overnight solution to your debt problems, but the relief you’ll feel is almost immediate and very real. You’ll sleep better at night knowing that with smaller interest rates and manageable payments you are actually making a difference in the amount of debt you’re carrying. With a debt management plan in place, you’ll probably even discover that you have more disposable income at the end of each month than you’ve had in years. That means being able to indulge in some simple pleasures like a restaurant meal or a movie night without having to worry about the expense.
Credit counseling puts you on the road toward financial freedom with a sensible plan that takes your income and your other budgetary needs into consideration. With the possibility of lower interest rates and waived creditor fees, you’ll end the debt cycle and move forward with your life. So, what are you waiting for? Give Advantage Credit Counseling Service a call today! The phone call is completely free and totally confidential. We can help!