Dealing with Debt

Reduce Your Debt and Stress at the Same Time

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Financial trouble is one of the leading causes of stress in adults, and high debt balances are one of the top financial concerns people have. You may have high balances on your credit cards, and you may be stressing out about how you are going to pay them off.

In some cases, the amount of money that people owe is so significant that they can no longer afford to make the minimum monthly payments and that’s when things really get ugly.

If this is the case for you, you may spend your days and nights worrying about how you will pay your bills or feed your family. While this is a common situation, the good news is that debt relief is available through free credit counseling and a debt management program. By learning more about this type of service, you may discover the source of relief that you need.

What Is Credit Counseling –

If you are unfamiliar with what credit counseling is, you may want to learn more about it before you take action. Credit counseling is a free financial service offered by skilled, highly trained, and experienced financial experts called credit counselors. The certified credit counselor will review your current financial situation in detail, and he or she will offer personalized advice that is tailored specifically to you.

Then, the counselor will offer budget reduction tips that can help you to save money each month. This may help you to more easily pay your bills on time. In other instances, the counselor may recommend that you consolidate outstanding credit card balances with the help of a debt management program. This option can provide the level of debt relief that you need, and the counselor can help you determine if this option is the most advantageous for your unique situation.

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Putting the Benefits of Credit Counseling to Work for You –

It can be emotionally difficult to reach out to a credit counselor for assistance when you are struggling with your finances. Some individuals may be ashamed of their current financial situation, and others may simply have trouble admitting that they need help. The reality is that millions of people are in a similar financial situation as you, and relief is available when you have the courage to reach out and ask for help.

Debt is not a simple problem to solve. It can pervade your life and feel like debt management is next to impossible. You might worry about losing your home. You might avoid going to the mailbox because you know it’s full of past due notices. You might lose sleep at night because you worry whether there will be enough money in your next paycheck to satisfy the creditors for the moment. You might worry if you’ll have enough money to feed your family.

It’s Important to Have a Plan Ready –

So many American families are struggling with debt. In a time when money is tight and the cost of necessities like food, fuel, and housing are going up; it is very easy to become trapped in a vicious cycle of ever-increasing debt. All too soon, families and individuals find themselves owing a great deal more money to creditors than they originally had planned.
It’s going to be okay. Advantage CCS understands and we are here to help you. Our consumer credit counseling service is offered for free and it’s always professional and confidential. We know how difficult it is for people to admit that they need help, and we respect their privacy and we never make them feel ashamed.

Advantage CCS is licensed to provide credit counseling services in 38 states, and we have been providing counseling and aid to consumers for over 48 years. Our certified consumer credit counselors’ work with thousands of people from all walks of life, and they are professional, caring, and courteous. They will do their best to help you get yourself out of debt.

Our free credit counseling service can show you how to determine your monthly income and expenses, help you formulate a workable budget, and help set-up a special Debt Management Program if necessary. We can work with you and your creditors to help you get out of debt in a reasonable amount of time so you can stop worrying about the mounting debt and monthly bills. Our credit counselors are dedicated and compassionate individuals with the credentials and experience you need to help you get your life back on track.

Receive the Debt Relief Help You Need –

If you are currently burdened by high credit card balances or creditors are calling you about debt collection matters, you should reach out to a credit counselor for assistance today. Living your life with the stress of financial concerns can be unbearable at times, and it is not necessary. There are numerous relief strategies available that can help you to reduce the amount of money that you owe and even to eliminate your balances altogether over time. Contact a credit counselor to begin the process today.

There are three ways that you can contact us to enroll in our free consumer credit counseling service. You can call us at 1-866-699-2227, you can use our Online Credit Counseling option, or you can visit us in-person at one of our many locations. Don’t put off getting out of debt any longer. Let Advantage CCS show you there is a way out of debt.

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.