Tag: Debt Counseling

Top 10 Money Management Tips To Destroy Debt

If you are struggling with high credit card account balances and other troublesome debt, you understandably may feel stressed and even hopeless. Regardless of your current circumstances, adjusting your money management efforts could help you to turn your financial situation around. Allow these ten essential tips below to guide your debt relief efforts. 1. Scale […]

Continue Reading

Free Credit Counseling Can Relieve the Stress of Debt

Could you be a good candidate for free credit counseling? Ask yourself these questions: Do you feel like you need a break when you sit down to do your bills every month? After you have paid your monthly bills, do you avoid buying anything for two weeks, so you don’t overdraw your account? Do you […]

Continue Reading

Do You Need Free Consumer Credit Counseling?

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 […]

Continue Reading

The Debt Snowball Method

For most people, the idea of getting out of debt can seem almost impossible. It can seem unreachable because it can take many years to achieve, even when following the strictest of debt elimination plans. However, paying off debts and credit cards can lead to a better debt-to-income ratio. This is a big factor when […]

Continue Reading

Mental Health and Debt Management

Your financial situation – including the amount of debt you carry, your credit score, and how close to filing for bankruptcy you are – often has a marked impact on your mental health. However, it’s also possible for poor mental health to negatively impact your financial situation. A positive mental outlook is essential for effective […]

Continue Reading

5 Other Ways Credit Counseling Can Help

If you don’t have a lot of credit card debt, you might think that a credit counseling service may be of no use to you. However, that is most definitely not the case. In addition to helping those with credit card debt, credit counseling can help those who have student loan debt or have just […]

Continue Reading

The Key Sacrifices to Get Out of Debt

Unlike the common misconception about getting out of debt, it will take much more than just frugality to get it done. Yes, you need to be frugal and spend less, but you also have to make some sacrifices. I’m going to get REAL about how to get out of debt. No more “take lunches to […]

Continue Reading

Choosing a Debt and Credit Counseling Service

Have the bills been piling up, and you don’t know where to turn? You need a credit or debt counselor to steer you in the right direction. Most credit counselors with a good reputation are non-profit organizations and offer their services through local branches, online and over the phone, says the Federal Trade Commission. What to […]

Continue Reading

Infographic: Causes of Debt

When people think of debt, they most often think of credit card debt. However, a significant amount of people’s financial worries actually come from some slightly more unexpected causes of debt. Currently, some of the largest contributors to debt are medical bills, divorce fees and settlements, and student loans. There are other known causes of […]

Continue Reading

Arizona has a great new choice for debt relief help

Advantage Credit Counseling Service has received approval and licensure to offer consumer credit counseling and, if applicable, a debt management program to Arizona residents who are currently in unsecured debt. The state of Arizona has some firm consumer credit counseling laws in place to help protect consumers and make sure that ALL debt relief options […]

Continue Reading

Becoming Debt Free Starts Here

If you're struggling to make ends meet, our team of certified counselors are waiting to help you find a solution that's right for you. No matter what your financial situation may be, remember you're not alone