Credit Counseling

Manage your debt in 3 easy steps

1 - Look at Your Financial Situation Today

Financial Danger Signals

Monthly expenses may or do exceed income
Late rent, mortgage, or utility payments
Irregular or less than full creditor payments
Collection calls at home or at work
Worry about heading for bankruptcy

Factors that Can Cause a Financial Crisis

Overspending
Death in the Family
Medical Expenses

Reduced Income
Unemployment
Separation/Divorce

Get Relief from Collection Calls

Unpaid debts may result in disruptions at work and the possibility of repossession and wage garnishment.

Credit Counselors a consumer credit counseling service could be your first step toward reaching financial stability.

2 - Learn How to Budget and Manage Debt

Free Budget Counseling

Counseling is available to Internet or by phone

Together we will develop a household budget, establish priorities and explore alternatives. If your living expenses, plus creditor payments, exceed your income, you may benefit from our debt management plan, an organized way to get out of debt.

3 - Get Help With Debt Repayment

Debt Management Plan (DMP)

Credit Counselors works with unsecured creditors (credit card companies, doctors, lawyers, etc.). We negotiate with your creditors to arrange special considerations, including lowering payments, reducing interest rates, waiving fees, and re-aging accounts, you simply make one monthly payment to Credit Counselors and we then distribute payments to each of your creditors.

Debt Management Plan Information

A debt management plan with credit counselors may be able to significantly reduce your monthly debt burden.

Debt management plan are voluntary plans that serve the dual role of helping you repay your debts and helping creditors receive the money owed to them.

Most of our funding comes from voluntary contributions from creditors who participate in debt management plans. Since creditors have a financial interest in getting paid, most are willing to make a nominal contribution to help fund our agency. We will work with all your creditors, regardless of whether they contribute to our agency.