Everything You’ve Ever Wanted To Know About Credit Counseling

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We had a goal for the first half of 2015. That goal was to become as transparent and informative as we possibly could. We want to be a thought-leader in our industry and the go-to agency for a plethora of information about Credit Counseling and Debt Management.

With that goal in mind, we knew that we needed to create some new ever-lasting and amazing content for our website to make sure that consumers are well informed and can find everything they need. We asked ourselves questions such as: “Who needs Credit Counseling?” “How does Credit Counseling work?” and “What questions are consumers asking about Credit Counseling?” We did a ton of research and asked ourselves a million questions to make sure we thought of EVERYTHING.

Then, we set about writing the content and answering every single question we could possibly think of. We wanted to make sure that these new pages contained everything you could possibly want to know about credit counseling like “how it works”, “what happens after a session”, “does it cost anything”, “who could benefit from credit counseling”, and many more!

Who Needs Credit Counseling? –

We started with the question “Who Needs Credit Counseling?” and our first thought was “EVERYONE!” because it really is beneficial even if you are in a good place financially. You could still learn a thing or two and maybe start to save more money. Then, we wanted to probe even deeper and get into the nitty-gritty things like the types of personalities or major life events that could warrant needing credit counseling.

We understand everyone has a unique situation and they are faced with different problems. Some individuals might fear that we may not be able to help them because they have too much debt, not enough debt, or they have medical debt and not much credit card debt. But that’s not always the case, and the only real way to find out for sure is to speak with a credit counselor or try a free online credit counseling session.

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So we came up with an example list of just a few individuals or major life events that could really benefit from a credit counseling session, and who should contact us to find out how we can help them. Some of these include: Medical Debt or Disability Debt, Separated and/or Divorced Individuals, College Students and Recent College Graduates, Job Loss or Reduced Income, A Death in the Family, Excessive Spending or Poor Money Management Habits, Gambling Problems or Substance Abuse, New Baby, Marriage, Retirement, and Buying A Home. 

These are just a few examples of individuals, personality types, life events, or other problems that could lead to debt, and therefore credit counseling would become very beneficial and helpful.

How Does Credit Counseling Work? –

Then next question we wanted to tackle and explain in-depth was “How Does Credit Counseling Work?” because we knew that some people might know what credit counseling is or how it’s helpful, but do they understand the process and steps of a counseling session? Do they comprehend the ins and outs of what a credit counseling session really is and just how helpful it can be?

So we wanted to break down a counseling session step-by-step and give some insight on what you can do even before your session starts to help better your current financial situation. Whether you want to ease the burden of debt or you want to create a budget, credit counseling should be the first place you start. In this new page of content, we discuss the process such as Signing Up, What To Bring With You or Have on Hand, Providing Your Complete Financial Information, Review and Assess Your Current Situation, Examine Some Debt Relief Options, Get Some Much Needed Answers, and What To Do After Your Session Has Ended.

This new content is intended to help everyone be well-prepared for the credit counseling session and to know exactly what do expect during and after the session. We want individuals to comprehend the Process or Steps in a Credit Counseling Session so you they can be prepared, and take full advantage of the advice they’ll receive to help them get out of debt as quickly as possible.

Credit Counseling FAQs –

Last but not least, we have “Credit Counseling FAQs” to help answer everyone’s questions. This next piece of new content should answer every single question you could think of about credit counseling. Anything that wasn’t answered in the previous two pages will be answered in-depth on this page. We asked ourselves what questions we might have, we asked our counselors what are some common and even uncommon questions they get during a session, and we did a ton of research and looked at questions people were asking all across the Internet in web forums and places like Yahoo Answers and Quora.

We start with very broad wide-ranging questions such as “What is a credit counseling session?” and then we drill down to deeper questions like “How do I know I’m dealing with a reputable agency?” or “Is there one counselor who will work with me or is this a team effort?” We discuss things like accreditation, licensing, cost (credit counseling is FREE), how long it will take, what you need to have on hand before starting a session, our hours of operation, and so much more.

We try to be as clear and transparent as possible with each of our answers to make sure you aren’t left with even more questions after your done reading it. We also touch on topics like the other services we offer, how your personal information is always kept secure and confidential, will credit counseling affect your credit score, the different methods of conducting a credit counseling session, to name just a few more questions that we answer.

Conclusion –

Trying to list everything about credit counseling and what could happen before, during, and after a session is not a small feat by any means. It took a ton of research, time, dedication, investigating, and looking closely at our internal procedures.

We had to take a good long look at our company and examine how many people we’ve help achieve financial success and independence over the 47 years that the Agency has been in business. We feel very strongly that the content we’ve created will stand the test of time and be used as a wonderful guide or reference for other agencies or companies to use. We wanted to give you the truth and nothing but the truth about credit counseling and about this agency.

Do you think there’s anything we might have missed? Still have a question about credit counseling after reviewing our new content? We would love to hear from you! Please leave us a comment below!


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.