Consumer Credit Counseling Services

credit card debts

Do you find yourself overwhelmed with credit card debt and don't know what to do next? Credit and debt counseling may be the solution.

Let a certified counseling professional help you deal with stressful financial situations and develop your plan to become DEBT FREE.

CCCS programs can offer budgeting advice, financial education, counseling services and debt management assistance.

Often, a credit counselor is able to work with creditors to stop any legal action and develop a solution that will satisfy both parties. If you maintain your payment arrangements, the majority of phone calls will stop.

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When you have repaid your debts, credit recovery programs can help you regain your credit.

In contrast, when you file for Chapter 13 bankruptcy, it becomes public record and you could have difficulty obtaining credit in the future.

In 2005, Congress enacted a new bankruptcy law, The Bankruptcy Abuse Prevention and Consumer Protection Act . This legislation requires debtors, with few exceptions, to attend pre-filing briefings by an approved credit and debt counseling agency 6 months before filing a claim for Chapter 7 or Chapter 13 bankruptcy. It also mandates debt management skills classes before a bankruptcy claim can be discharged.

Save money by lowering your payments and interest rate. Let credit counselors guide you through the process of consolidating your bills.

  • Protect your assets against creditors
  • Eliminate debt
  • Avoid bankruptcy
  • Negotiate with creditors
  • Confidentiality
  • Lower payments
  • Achieve financial freedom

Any counseling service or debt settlement company that wants to provide debt management plans must be licensed by the Department of Justice of that State.


You don't solve money problems with money! - Dr. Phil McGraw quote.(Dr. Phil Show on NBC television.)

Never spend your money before you have it. - Thomas Jefferson quote.

Live within your means, never be in debt, and by husbanding your money you can always lay it out well. But when you get in debt you become a slave. Therefore I say to you never involve yourself in debt, and become no man's surety. If your friend is in distress, aid him if you have the means to spare. If he fails to be able to return it, it is only so much lost. - Andrew Jackson quote

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DISCLAIMER: The law will vary depending on your state, jurisdiction and the specifics of your case. The information provided by Consolidate-Credit-Card.Net is intended for educational purposes only. All the content on this website should NOT be considered professional advice or a substitute for professional advice. For such services, we recommend getting a free initial consultation by a licensed debt counselor in your state.

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