Bankruptcy Debtor Education

Common Options for Dealing with a Financial Crisis

During this critical time, it is important to remember that bankruptcy is not your only option. From enrolling in a DMP and negotiating to using assets for consolidation, you will examine several alternatives.

Conquering Credit Challenges

Each of us has a responsibility to manage spending. You will learn how to get the right reports from credit bureaus, interpret your credit report, understand the costs of using credit and work with your creditors.

I can help you learn what you need.

Our debtor education course will prepare you for a new beginning.

Pre-Discharge Bankruptcy Education
Required by law, before your bankruptcy case can be discharged- which means debts included in the bankruptcy are no longer considered collectible- you must complete Pre-Discharge bankruptcy education. This course lasts two hours. Topics covered include:

• Setting realistic financial goals
• Understanding your credit report
• Obtaining or re-establishing credit
• Managing budgets
• And more

read more at Bankruptcy Debtor Education

Bankruptcy Pre Filing Counseling

Bankruptcy 101: What Every Consumer Should Know

Learn what it is, how to spot the early warning signs and the differences between Chapter 7 and Chapter 13. Plus, find out how filing can affect your financial life and how to avoid bankruptcy.

This counseling and the subsequent certificate can be received by telephone and online — in both English and Spanish. CredAbility’s counselors are available nationwide, 24/7.

Get started with your bankruptcy pre-filing counseling.

We are glad you chose CredAbility to begin your bankruptcy pre-filing counseling session. We are here to listen, answer your questions and provide the information you need. We strongly urge you to visit with an attorney to discuss the benefits, costs and consequences of filing for personal bankruptcy. And if you are not sure what you need, contact us—we will help you on the right path.

Buying Insurance

Listen as our CredAbilityU experts discuss financial tips on how to unravel the mystery of buying insurance.

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Consumer Credit and Debt Counselling

Credit and debt management are two concepts that directly impact your finances. Without good debt management, you credit score will suffer. Conversely, when you use credit unwisely, it is difficult to practice good debt management. Learning to control your spending and educating yourself on the importance of careful credit use will help you stay on top of your finances.

For those clients living in the following states or territories: Indiana, Minnesota, North Dakota, Puerto Rico, or the Virgin Islands, we are able to provide Budget and Credit counseling – as well as our other counseling services, but are not able to offer a Debt Management Plan. We can, however, provide you with information on who in your state could provide a DMP. If you would like referral information for your state, please click here.

How Does A Debt Management Plan Work?

The following video was produced under our former name of Consumer Credit Counseling Service.

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Consumer Credit and Debt Counselling

Credit and debt management are two concepts that directly impact your finances. Without good debt management, you credit score will suffer. Conversely, when you use credit unwisely, it is difficult to practice good debt management. Learning to control your spending and educating yourself on the importance of careful credit use will help you stay on top of your finances.

For those clients living in the following states or territories: Indiana, Minnesota, North Dakota, Puerto Rico, or the Virgin Islands, we are able to provide Budget and Credit counseling – as well as our other counseling services, but are not able to offer a Debt Management Plan. We can, however, provide you with information on who in your state could provide a DMP. If you would like referral information for your state, please click here.

How Does A Debt Management Plan Work?

The following video was produced under our former name of Consumer Credit Counseling Service.

read more at Consumer Credit and Debt Counselling

Best Way to Consolidate Credit Card Debt

It’seasy for credit card balances to spiral out of control, so it’s important touse this form of credit as wisely and sparingly as possible. You should treatcredit cards as a personal debtmanagement tool to increase your credit score. Having some amount of creditavailable to you can raise your credit score, but maintaining too large of abalance on your cards can lower it just as quickly. According to financialexperts, credit cards enhance your scores when you use between 10 to 20 percentof your credit limit – and no more. A large credit card balance can take yearsto pay down. Avoid large purchases and resist the temptation to take advantageof credit card offers with high interest rates. Otherwise, you will likely endup paying far more for purchased items than if you had simply saved up and paidcash.

Getting into debt can happen to anybody. It can start with a job loss, a medical crisis, a natural disaster or even life in general. No one is immune. But once your debt starts to mount, don't rely on just anybody to get you out of trouble.

CredAbility makes it simple to pay down your debt.

Through our Debt Management Plans (DMP), you can pay off your credit cards, lower your interest rates, eliminate fees and put an end to collection calls - forever. Sound like a plan? Good, because our Certified Credit Counselors can help you get out of debt in four simple steps.

read more at Best Way to Consolidate Credit Card Debt

Best Debt Management

The first step is talking to your debt management consultant about your overall financial situation. The consultant will review your monthly income and compare it to your total monthly expenses to get a complete picture of your unique circumstances. The consultant will then contact your creditors to inform them of your intention to enter a debt management program. CredAbility has been in business for over 50 years and maintains contact with an extensive network of creditors. It is often possible to negotiate lower interest rates, which will help you pay off your debt more quickly. Your consultant will also create a repayment plan that allows you to pay down your debt without drastically reducing your standard of living. Debt management takes dedication and some sacrifice, but you will be rewarded by seeing your balances shrink and your financial prospects expand.

How to Prepare for your Counseling Session

We strongly recommend that you watch this video to understand what documents you will need to have available, and how to get the most value from your counseling session.

CredAbility’s counselors are available nationwide, 24/7.To begin pre-filing bankruptcy counseling, call 800.251.2227 to schedule a telephone or in person appointment. 

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What is Debt Management

CredAbility is a national debt management and credit counseling company that can help you break the cycle of debt and reclaim your financial future. No matter how much money you earn or how large your debt has become, CredAbility can help. If you have been overwhelmed by unpaid credit card bills or medical debt, you have probably seen advertisements from companies that promise to erase all your outstanding balances with minimum commitment. Unfortunately, most of these ads are misleading and prey upon vulnerable consumers desperate to find a solution.

Through our Debt Management Plans, (DMP), you could minimize interest rates and payments to creditors, pay down your debt, eliminate fees and put an end to collection calls.

Getting started on your DMP is easy and can be completed in 4 easy steps.

Step 1 –	Provide the basic personal information necessary for DMP enrollment
Step 2 –	Review your creditors and the benefits of your DMP
Step 3 –	Review your current financial situation
Step 4 –	Finally, we will take a look at your monthly cash flow

The total process will only take a few minutes. If you have any questions, a Certified Credit Counselor is available to assist you as you go through the process.

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Reputable Credit Counseling

Reputable debt management companies have nothing to hide. Most nonprofit debt management companies are government subsidized and voluntarily follow strict industry standards set forth by third party organizations. To maintain their licensing and accreditation, these companies must put their agreements in writing. Reputable debt management companies use clear, everyday language and allow potential clients to take as much time as needed to review the agreement and ask questions. If an agency tries to lock you into a verbal agreement, you should seek assistance elsewhere.

Many creditors offer favorable repayment terms to consumers who enroll in a DMP, including interest rates ranging from 6% to 10% on their credit card debt. These creditors may also eliminate late fees and penalties once a consumer enrolls in a DMP with a nonprofit credit counseling organization.

At CredAbility, certified counselors help consumers determine whether they can tackle their financial challenges through budgeting and reduced spending, or if the structure of a debt management plan will be more effective.

What is a Debt Management Plan?
For a small monthly fee, consumers make a single payment to an agency like CredAbility, which acts as a trustee in distributing the funds to creditors. CredAbility works with both clients and creditors to design a debt repayment program that minimizes monthly payments, interest and related fees, providing a manageable tailored plan for the client. This enables the client to repay their entire debt obligation at more favorable terms, and on a plan that is within their ability to pay.

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Pay Credit Card Debt

But how do you pay credit card debt? As a start, the professional counselors of Credability will give you free advice to help you out. They will discuss to you a clearer review of budget planning to get hold of your debt. Not only that, this will also teach you to start saving. In the process of your budget planning session, we will help you come up with the best way to evaluate your financial status. Following that, we will provide to you a personalized plan for you to pay credit card debt. This way, you will have a brand new start to prepare for a more secured future.

Credit card debt is truly a dilemma, especially when you are unable to pay on time. But despite your economical crisis, we at Credabilty understand your situation and we are here to help you out. Together, we will come up with proper budget and financial planning, your credit card debt will surely be resolved.

Some people have the notion that we are working for some credit card companies and we are grabbing that opportunity just to get your money. We’ll, we like to clarify that they are very wrong. Credability has been in the service of helping people like you for more than 40 years. We have already built trust with our clients.

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Non Profit Credit Card Counseling

Many people today have credit card bills rising up because they fail to manage their bills and make the necessary repayments on time. Our professionals are quite aware of such situations and have an in-depth understanding of what criticalities such a situation may cause to an individual and his or her family. We have acquired deep knowledge over several years about debt consolidating methods and, therefore, can guide you into choosing the best credit card consolidation option.

If you are looking for the best credit card consolidation option to merge all of your bills to avoid all such debt-related issues, we are here to help you. Contact our experts via phone, or open live chat for an instant discussion. You may fill in the simple form with a few pieces of necessary information, and we will contact you as soon as possible. On the other hand, click the “Get Started” button and let us find a solution with the data you provide. Our experts are readily available to provide professional guidance on the best credit card consolidation methods today – remember, all absolutely free of cost!

read more at Non Profit Credit Card Counseling

Military Debt Management Agency

To enroll in this class,you will need to provide your case number. So if you aren’t discharged fromyour case yet, you can not enroll to our military debt management agency. 
Depending on your area,you can take the military debt management agency online, by telephone,or in person. 
You can take your military debt management agency right here on Credability anytime you want. We are availble24/7 Just click on the “Start an online session” button above. The telephoneclasses are scheduled during Tuesday and Friday from 10am to 12pm. You canregister by calling us at 866-672-2227. To inquire for the in-person class inyour area, you can call at 866-672-2227 for locations and schedules.

read more at Military Debt Management Agency

How to File Bankruptcy

We know that filing bankruptcy is never an easy decision. And often the hardest decision is the first one: deciding to get help. You are on your way to getting the help you need with CredAbility when you start an online session with us about how to file bankruptcy. We are here to listen, answer your questions and provide the information you need to get you through this as pain-free as possible. We strongly urge you to visit with an attorney to discuss the benefits, costs and consequences of filing for personal bankruptcy and to help you with the process of learning how to file bankruptcy. And if you are not sure what you need, contact us—we will help you on the right path.

This counseling and the subsequent certificate can be received by telephone and online — in both English and Spanish. CredAbility’s counselors are available nationwide, 24/7. We've been helping people for over 40 years and we're ready to help you, right now.

How To File Bankruptcy?

To begin learning how to file bankruptcy, call 800.251.2227 and talk to an advisor, click chat to begin a chat session or click on the green "Start an online session" button above.

How to Prepare for your Counseling Session

We strongly recommend that you watch this video to understand what documents you will need to have available, and how to get the most value from your counseling session.

read more at How to File Bankruptcy

Help for debt

When is the Right Time to Get Help for Debt?

If your debts are starting to feel like they’re taking over your personal finances it may be the time to seek help for debt repayment. There are organizations available to you that can help you build a debt repayment plan, and in some cases, even help you decrease your minimum monthly payments to make them more manageable.

If you have already tried budgeting and are finding it difficult to meet your payments, pay down your debt, and still live a half decent life, it’s probably time to seek help for debt repayment. If you’re finding difficulties, it’s all too easy to continue taking on additional debts just to get by on a week to week basis. And that is a slippery slope, which can eventually become extremely difficult to come back from without declaring bankruptcy.

If you’re already there, you’re still alright. There are things you can do. You can work with a credit counseling organization and review your alternative solutions. If you’re approaching that place, it’s probably a good idea to seek help for your debt before your financial situation gets any more difficult for you to maintain. Regardless of where you stand, if you’re considering getting help for debt repayment, it is a good idea to start sooner rather than later.

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Free Prebankruptcy Credit Counseling

Get started with on how to file bankruptcy.

We know that filing bankruptcy is never an easy decision. And often the hardest decision is the first one: deciding to get help. You are on your way to getting the help you need with CredAbility when you start an online session with us about how to file bankruptcy. We are here to listen, answer your questions and provide the information you need to get you through this as pain-free as possible. We strongly urge you to visit with an attorney to discuss the benefits, costs and consequences of filing for personal bankruptcy and to help you with the process of learning how to file bankruptcy. And if you are not sure what you need, contact us—we will help you on the right path.

This counseling and the subsequent certificate can be received by telephone and online — in both English and Spanish. CredAbility’s counselors are available nationwide, 24/7. We've been helping people for over 40 years and we're ready to help you, right now.

How To File Bankruptcy?

To begin learning how to file bankruptcy, call 800.251.2227 and talk to an advisor, click chat to begin a chat session or click on the green "Start an online session" button above.

We strongly urge you to visit with an attorney to discuss the benefits, costs and consequences of filing for personal bankruptcy. And if you are not sure what you need, contact us—we will help you on the right path.

read more at Free Prebankruptcy Credit Counseling

Free Debt Management Companies

Nonprofit debt management companies do much more than pure debt consolidation. Good debt management companies offer an initial complimentary counseling session where you can ask questions and talk about your financial situation. If, after working with a professionally trained counselor, you decide a debt management plan is a good option, the company will help you craft a repayment plan that allows you to make a single convenient payment to the agency. Nonprofit debt management companies charge a fee for this service, but the cost should never be unreasonable. A reputable organization will also put all the terms of your debt management plan in writing, with clear language that lays out the agency’s responsibilities and its fee for managing your case. The best nonprofit debt management companies have been in business for years and have the client testimonials and Better Business Bureau grade to prove it.

Let's turn this thing around

Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.

After your session, our support continues with free debt advice and online assistance in everything from how to pay down debt to strategies for successful credit management and how to read a credit report. As always, our reprentatives are here 24/7 to help you build a brighter financial future.

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Debt Settlement Loan

A debt settlement loan is ideal for those who have unsecured debt, such as credit cards, medical bills, and personal loans. Student loans, mortgages, and automotive loans do not qualify as they are “secured” by something of value.  A debt settlement counselor works with your creditors to negotiate a settlement less than the current balance, sometimes to as low as 35-50% of the balance.  Once the negotiations are complete, the debt settlement loan is made, a payment plan is drafted, and the road to financial freedom is paved.

Our counselors can also assist in matters of bankruptcy and foreclosure.  Our counselors are expert negotiators and are able to determine the best possible terms and resolution for your unique situation.  Foreclosure and bankruptcy are scary — don’t face them alone.  An expert advocate is crucial to a favorable outcome.

Whether you’ve found yourself in debt after an illness or injury, a period of unemployment in which credit cards were your only option for survival, or any other unforeseen circumstance, we can help by negotiating with your creditors and setting you up with a debt settlement loan.  Our services (except bankruptcy services) are free.  We’ll put our 40 years of experience — and our hearts — into helping you and your family rediscover financial freedom.  We’re just waiting for you to make the first move.

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Debt Management Online

Close unnecessary bank accounts

Most individual financial needs can be satisfied by maintaining two types of accounts: a checking account and a savings account. The more accounts you have open, the more difficult it is to keep track of your money and your spending. Simplifying your banking and reducing your accounts to the two basic types will help you effectively monitor your spending and stick to your budget. If you are constantly transferring money back and forth between several different accounts, you are more likely to lose control over your expenses and make costly mistakes. The best debt management adviceis often the simplest. Keeping your accounts simple will help you meet your financial goals more quickly and with considerably less stress along the way.

Consider automatic payments
Many creditors offer discounts and special incentives for customers who choose to enroll in automatic payments. Occasionally, you can even obtain a lower interest rate by agreeing to have your payments auto-deducted each month. Be careful, though, because automatic payments will hurt your budget if you have unforeseen expenses or truly cannot handle having payments removed on a set schedule. Follow your credit counselor’s debt management advice and only sign up for auto pay if it makes sense for your individual situation. If your finances are tight, consider enrolling in automatic payments for larger bills like your mortgage payment. Auto pay will help you pay on time every time and avoid late penalties and negative items on your credit report.

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Debt Management Online

Pay bills online
Online banking is much easier and more accurate than keeping track in an old fashioned checking account ledger. When you manage your payments online, you can stay on top of due dates and avoid paying late. Online checking also allows you to see your finances in real time, which helps you avoid overdrafts and fees.

Streamline your debtJuggling too many creditors often results in missed payments and late fees, which can raise your interest rates and increase your overall debt. If you are enrolled in a debt management plan, you have probably already followed the debt management advice provided by your credit counselor and reduced the number of creditors you owe. One of the main benefits of a debt management plan is eliminating the task of keeping track of several bills with different due dates each month. If you are not currently active in a debt management plan, ask your credit counselor for debt management advice regarding reducing your creditors to the lowest number possible.

Every situation is unique, but we can help you better understand the foreclosure process and the paths that may be open to you. We can also connect you with your lender to help maintain the communications link so important before and during the foreclosure process. Afterwards, you’ll receive an action plan to help you get back on track.

You can contact the Credability debt management couselors online, 24/7, or by telephone at ####-###-###. Make the most important call in your life today!

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Debt Management Credit Counselor

Many companies emerging these days are claiming that they have the best professional debt management credit counselor. They are professionals alright, but are they really qualified for the job? Do they have the right kind of skills to handle such personal problems, considering that these problems are highly critical and confidential? Do they have the right education to provide debt management advice to consumers? What does it take to become a debt management credit counselor?

Some firms are very strict when it comes to hiring the right kind of people. This is because they do not want to risk the reputation of their company over a so-so professional as a debt management credit counselor. Credability, for instance, a non-profit consolidation company who has been in the service of helping people with debt problems, makes sure that their debt management credit counselors are certified. Meaning, the debt management credit counselor has the license to perform his or her tasks.

Your counseling session is completely confidential. We do not report the information to your creditors or your credit report.

Free Budget Planning Session, No Obligation

During a counseling session, you and your counselor will go over your current budget, including any money owed such as debt from credit cards, medical bills, student loans, car loans and all others. Afterwards, you will receive a written summary including an action plan to move forward. You are under no obligation to take any of the debt advice or recommended credit management steps.

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Debt Management Credit Counseling Corp

Consider the company’s public trackrecord

The Better Business Bureau is a public resource that collects objective,unbiased information on businesses and charities. It also investigates consumercomplaints and awards performance ratings to businesses based on a number offactors, including the type of business, number of years active, licensing andgovernment actions, and how a business handles complaints. CredAbility hasearned an A+ rating from the Better Business Bureau and handles consumer creditcounseling in all 50 states.    

Our mission is to empower people with knowledge and solutions that provide hope and inspire lasting change. Many who come to us for advice are facing overwhelming credit card debt and other obligations such as student loans, car loans, payday loans and more. We take a holistic approach, taking into account all of your expenses, and making sure the budget planning advice you receive from us is personalized to your individual needs.

CredAbility has provided nonprofit credit counseling services to millions of consumers since 1964. Our counselors are certified by the National Foundation for Credit Counseling (NFCC,) which means they meet exacting ethical, educational and counseling standards. CredAbility is also a Department of Housing and Urban development-approved counseling provider. 

During a budget planning session, you and your counselor will go over your current income and expenses including credit card debt, medical debt, student loans, car loans and any other that may be owed. Afterwards, you will receive a written summary including a recommended action plan. You are under no obligation to take any of the recommended steps. Your budget planning session is completely confidential. We do not report the information to your creditors or your credit report.

read more at Debt Management Credit Counseling Corp

Debt Management Agency

Not all debt management agencies – or their plans – are created equal. In2005, Congress enacted sweeping changes to existing Chapter 7 and Chapter 13bankruptcy laws. One of the most significant amendments made pre-bankruptcycredit counseling mandatory. Individuals who wish to file bankruptcy must nowpay for a credit counseling course before they can even file a petition. In thewake of these changes, the credit counseling landscape has become overrun byagencies offering credit counseling courses and debt management advice. Many claimthey can help consumers pay down or eliminate debt. In reality, not everycredit counseling agency has consumers’ best interests in mind. With so manyagencies online, it is difficult to sort through the promises to find the best debt management companies. Knowingwhat to look for will help you choose the bestdebt management solution for your individual needs.

Getting into debt can happen to anybody. It can start with a job loss, a medical crisis, a natural disaster or even life in general. No one is immune.

Through our Debt Management Plans (DMP), you can pay off your credit cards, lower your interest rates, eliminate fees and put an end to collection calls - forever. Sound like a plan? Good, because our Certified Credit Counselors can help you get out of debt in four simple steps.

It's free. It's confidential. And all it takes is a couple of minutes. To get out of debt sooner than you think.


read more at Debt Management Agency

Debt Consolidation Counselling

Never make minimum payments

One common credit mistaking is assuming you can get by making minimum payments. The less you pay, the more interest you accrue, which leads to a larger balance. Credit card balances can quickly snowball, wreaking havoc on your financial health. The more money you can pay toward your principle balance, the less you will spend on interest. Focus your efforts on the credit cards with the highest interest rates first and work your way down from there.

Avoid late payments
Even a handful of late payments can cause serious damage to your credit score. Lenders use your credit score to determine what type of risk you pose as a potential borrower. While an occasional 30-day late here and there will not significantly lower your score, a series of late payments or severely delinquent accounts can rapidly drop your score. Once your credit is damaged, it is difficult to repair. A seriously low score can take years to recover. Stay on top of your bills and use credit sparingly to avoid getting in over your head. Avoiding late payments is one of the most important parts of making credit and debt management work to your advantage.

At CredAbility, certified counselors help consumers determine whether they can tackle their financial challenges through budgeting and reduced spending, or if the structure of a debt management plan will be more effective.

The key to reclaiming your financial independence is recognizing the need for help and getting it. At CredAbility, certified counselors will help you evaluate your financial situation and find the solution that best suits you. For more information on Debt Management Plans or to talk with a certified counselor about your options for a debt free life, contact CredAbility at 800.251.2227 or online at www.CredAbility.org.

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Credit Cards Debt Settlement

Paying off the card with the highest interest rate first

Continue paying the minimum monthly payment on all of your cards, but allot additional money to be paid to the card with the highest interest rate each month. This strategy technically saves you more money than paying off the card with the lowest balance first, but will typically take longer to start “feeling” like you’re getting results.

While CredAbility already provides counseling to consumers in all 50 states, this acquisition enables CredAbility to expand its face-to-face counseling offices to a fifth state in the southeast. CredAbility already has 28 offices in Georgia, Florida, Tennessee and Mississippi.

“This is exciting news for both organizations.” said Suzanne Boas, president of CredAbility. “We provide many of the same services and share the same values. Combining the Compass/CCCS program with CredAbility will enable us to serve additional clients in the southeast.”

“We are pleased that our CCCS program will join a national nonprofit credit counseling agency that can provide our clients with additional services,” said Thomas Bannister, president of Compass of Carolina. “The addition ofCredAbility’s housing counseling services, its 24/7 convenience and its bilingual staff will benefit many residents of upstate South Carolina.”

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Credit Card Debt Problems

Paying off the card with the lowest balance first

Sometimes called “snowballing,” because the effect accumulates and helps you feel like you’re making a lot of progress in a relatively short amount of time. This is where you make all of your minimum payments but you make additional payments to the card with the lowest balance, helping you remove a creditor from your list of monthly payments as quickly as possible. The best way to continue after paying off the first card is to use the full amount of payments that you were making, but applying it to the card with the next lowest balance. This strategy helps you rapidly decrease the required minimum monthly payments for you to pay.

Seeking non profit credit card counseling to help you combine your minimum payments into one manageable payment

When your debts become extremely difficult to manage, or seem like they may take forever to pay off, you can try out a non profit credit card counseling agency to arrange a debt management plan that will help you by combining all of your credit card debts into one low monthly payment. The plan that a credit card counselor will set you up with will usually prevent you from accruing any additional debt, and will give you a definite time when your debts will be fully repaid. For an example of a non profit credit card counseling agency, check out Credability.org

read more at Credit Card Debt Problems

Credit Card Debt

Say no to store cards
It is tempting to sign up for instant credit offers in retail stores – especially when the deal comes with a discount. Department store cards are rarely a good investment, however, and can end up hurting your credit store. Store cards often carry high interest rates, which make them difficult to manage. Most consumers will also spend more if given the option to use a card instead of cash.

If you have any questions, a Certified Credit Counselor is available to assist you as you go through the process.

Just a reminder, completing the counseling session is free, is not a binding contract, and all information remains confidential.

Remember, we are here to help. Our counselors are available nationwide, 24/7-by telephone and online-in both English and Spanish. We’ve helped thousands of people, just like you, get through periods of financial crisis.

If you would prefer to complete your DMP session by phone, please call 800.251.2227 to schedule an appointment with a Budget & Credit counselor today.

For those clients living in the following states or territories: Indiana, Minnesota, North Dakota, Puerto Rico, or the Virgin Islands, we are able to provide Budget and Credit counseling – as well as our other counseling services, but are not able to offer a Debt Management Plan. We can, however, provide you with information on who in your state could provide a DMP.

read more at Credit Card Debt