Credit and Debt Counseling Programs are designed to help people who are having trouble paying their debts or are facing other financial pressures such as foreclosure or bankruptcy. But the greatest news is the fact that many of these professionally run programs available are fee free? That’s right! You pay no fee for their services and your income bracket has absolutely no bearing on whether you qualify or not.

Most people in financial trouble have way over the minimum dollar amount; as a matter of fact, the average consumer now carriers over $ 8000.00 in debt. Credit and Debt Counseling Programs are designed to help people who are having trouble paying their debts or are facing other financial pressures such as foreclosure or bankruptcy. These programs are comprehensive and offer debt management programs, foreclosure prevention, credit counseling, bankruptcy information and many other money management services.

In many states, non-profit organizations such as CCCS, Consumer Credit Counseling Services offer Credit and Debt Counseling Programs at no charge to the clients. These organizations are primarily funded by contributions from creditors and private benefactors with a very small portion of their funding coming from client’s fees.

If your state has these Credit and Debt Counseling Programs available, they are great programs to enroll in because you avoid all of the large upfront fees and ridiculous extraneous charges tacked on by the less than scrupulous companies engaged in debt management, debt relief and credit counseling.

It is become common for those upfront fees to average anywhere from $ 1000.00 to $ 1500.00 dollars and up. What’s even worse? Most of the companies won’t lift a finger for you until their fees and extra charges are, “PAID IN FULL!” That’s why it’s importantly to check a debt management company out before signing any agreement or paying them any upfront fees. By choosing one of the programs such as CCCS, you can put your checkbook and ATM card away and focus on getting your debt in check and your finances and credit score on track!

Who Qualifies For The Credit and Debt Counseling Programs? – The only eligibility qualification is that you live in a state that has the program; for those that do, all residents are eligible. In some instances, you must owe at least a minimum dollar amount (for example $ 3000) before you can enroll. But barring that, enrolling is a simple process.

What Do These Programs Offer? – They offer a variety of services that may include but won’t be limited to…

– Foreclosure counseling
– Credit score analysis
– Bankruptcy counseling and information
– Bankruptcy education certification
– Loan modification counseling
– Debt management plans
– Homebuyer counseling
– Financial education classes 

 

 

Credit Counseling Program from InCharge Debt Solutions – www.InCharge.org – If you’re struggling with credit card debt, InCharge Debt Solutions is here to help you. Our certified debt councilors work directly with creditors to combine payments, reduce interest rates, and eliminate late and over-limit fees. We can even help put a stop to collection calls. InCharge Debt Solutions is a nonprofit credit counseling agency that can help you find solutions to your debt problems. Call us today for a free consultation at 1-866-247-0619. Our certified counselors will help you find a solution, putting you back in charge of your life.

 

REDLANDS: Professor is Counselor Advocate of the Year

Filed under: counseling program

Dr. Janee Both Gragg has been recognized for her inspiring work as the chair of the School of Education's School Counseling program at the University of Redlands as a recipient of the California Association of School Counselor's Counselor Advocate of …
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School offers college financial aid program

Filed under: counseling program

GLENS FALLS — The Glens Falls High School Counseling Office will conduct a program on financial aid for students and parents at 6:30 p.m. Tuesday in the high school auditorium. Joe Gorman, manager of school counselor services and pre-College …
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