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What to Expect From a Consumer Credit Counseling Agency
How+To+Start+A+Debt+Counseling+Company Reputable agencies provide money management advice, help you prepare a budget and offer free educational workshops and resources. Good counselors are certified and provide money and debt management specialists for you to use. The initial counseling session can last at least an hour with follow-up sessions scheduled if necessary. The counselor discusses your financial situation and develops a personalized plan. Depending on the amount of your debt the counselor might recommend a debt management plan where you make monthly payments to the agency and they pay your creditors. The counselor will negotiate late fees, lower interest rates, and term extensions with your creditors.
Do not sign up with an agency that claims their services are a bankruptcy alternative.
These agencies also claim that their services do not impact your credit. They may tell you to stop paying your creditors and to send that money to the agency. There is no guarantee that creditors will accept a partial payment. And, late fees and interest accrue on unpaid balances. Usually, these types of agencies will charge exorbitant fees with little going towards your debt.
How to Select a Consumer Credit Counseling Agency
Consider it a red flag if a credit counseling agency does not send free information about the organization prior to requesting details about your situation. Check the Better Business Bureau, the local consumer protection agency, and with the National Foundation for Credit Counseling about the legitimacy of a list of potential counseling agencies. These organizations can identify any that have had consumer complaints. However, not having a complaint is no guarantee that they are legitimate.
As a follow-up resource, contact the United States Trustee Program for a list of approved credit counseling agencies that can provide pre-bankruptcy counseling.
Once you have narrowed your list, prepare a list of questions to ask such as:
What are your services? You want an organization that has a range of services such as budget counseling and debt management classes. Steer clear of agencies that have a debt management plan (DMP) as the only option. They should provide other counseling services as well.
Do you provide free information? Organizations should not charge for educational materials or information about the agency.
Do you charge fees? Get specific pricing for set-up or monthly fees, if applicable.
How can you help me avoid future debt problems? You want a plan for managing debt, not a quick scheme to get rid of debt obligations.
Is this agency licensed to provide financial management services in the state? Are your counselors certified and trained by a non-affiliated party?
Is a Consumer Credit Counseling Agency Suitable for Your Situation?
Speaking with consumer credit counseling agencies is just the beginning. Now, you have to determine whether the services are suitable for your situation, or if you can accomplish more on your own. In essence, credit counseling does not do anything that you cannot do; they simply provide guidance for the best approach to managing your debt. You can contact creditors and negotiate the payment terms of your account. Anybody can do this on their own, but sometimes people need a little extra help staying on track.
Another consideration is whether or not you can become disciplined in spending and creating financial obligations without the credit counseling assistance. These counselors can coach you into staying on target with your financial goals. The reason you are considering these services is because you have fallen off a sound financial path. Utilizing the help of a credit counseling agency could help you gain financial stability.
If you decide to use credit counseling services, read the contract agreement before you sign. The contract should disclose fee or contribution amounts; a description of services; an estimated payoff schedule; termination provisions; and, the dispute resolution process.
The desire for financial freedom is something many people share. If you decide to work with a consumer credit counseling agency, make sure their goals match yours and you are not tied to a scam that can put you into a bigger financial hole.
If you’re dealing with a debt management or debt settlement company over unpaid debts, you need to listen to what Attorney Eric Olsen has to say. You may not have to pay those old debts back!
If you’re a senior in #debt, the law protects you in many ways that you may not know. Hear Attorney Eric Olsen, Executive Director of the HELPS Non-profit Law Firm, explain why seniors may not have to pay back old debts.
Jeff Hoyt is SeniorLiving.org’s Editor-in-Chief.
For why seniors don’t have to worry about old debts, watch https://youtu.be/FDlyud-vG90
To learn how seniors can avoid paying taxes legally, watch https://www.youtube.com/watch?v=xv7Om8SAIAM
To watch Attorney Eric Olsen explain why seniors don’t have to worry about student loans, check out https://www.youtube.com/watch?v=PE4a7oaxc1E
To learn when seniors should consider Bankruptcy, watch https://www.youtube.com/watch?v=Iu0fy8JujGo
Subscribe to SeniorLiving.org on YouTube:
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For more tips for seniors: https://www.seniorliving.org/
If you’re interested in joining the hundreds of thousands of families who’ve found senior living communities on SeniorLiving.org, read the reviews on our website: https://www.seniorliving.org/housing/
To contact the HELPS Nonprofit Law Firm, call 1-855-435-7787 or visit helpsishere.org.
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Like to save money? Please watch: “The Best Senior Citizen Discounts”
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Debt Relief Company Isn’t Relieving My $90,000 Debt!
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Did you miss the latest Ramsey Show episode? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch debt-free screams, Dave Rants, guest interviews, and more!
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Check out the show at 4pm EST Monday-Friday or anytime on demand. Dave Ramsey and his co-hosts talking about money, careers, relationships, and how they impact your life. Tune in to The Ramsey Show and experience one of the most popular talk radio shows in the country!
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Thinking of using a Debt Consolidation company? Join me to find out the “10 Questions you must ask before signing up” and the surprises in the fine print.
Mark’s Money Matters was created to help people break their addiction to credit and bring some sanity to their finances. I want to try to reach as many people as I can to answer their questions about getting out of debt so please share your comments and questions here. You can also e-mail me your questions at mark@markmartella.com .
To subscribe to this channel click on the following link: https://www.youtube.com/channel/UCIQo…
Mark Martella is a bankruptcy attorney by trade but his goal is to put bankruptcy attorney’s out of business through educating consumers about how not to get sucked into the black hole of debt. Mark offers educational videos as well as resources on his website for Money Matters that can be found at http://www.markmartella.com/
On this website you will also find past episodes of his shows and blog posts.
Mark is also the author of a book on bankruptcy just for consumers entitled “Bankruptcy in Plain English- The Ultimate Layman’s Guide to Taking the Fear and Mystery out of the Bankruptcy Process so You Can Get a Fresh Start.” It’s available on Amazon by clicking on this link:
https://www.amazon.com/Bankruptcy-Pla…
His other websites with information on bankruptcy and estate planning can be found at:
http://martellabankruptcy.com/
and
http://martellalaw.com/
You can also follow him on Facebook by liking these pages:
Mark’s Money Matters
https://www.facebook.com/martella2017/
Mark Martella’s Legal Notes
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Choosing The Best Credit Counselling Company – Working With BSCC – Avineet Kalsey – Recent interview series, Part 17, where Avineet Kalsey gives tips on how to choose the best company when you are evaluating whether to do business with them.
Debt reduction is front and center on many Canadians’ minds right now with soaring household debt levels – it doesn’t have to be this way – call our experienced credit counselors such as Avineet Kalsey right now. You don’t need to struggle with debt, BSCC can help reduce your debt by over 50%-90% RIGHT NOW – call us today at 1-866-790-8984 – its free!
or Visit:
Business Solutions & Credit Counselling Services
Surrey/Vancouver office:
12033 92A Ave #205 Surrey, BC V3V 4B8
Tel: 604-951-8984
https://www.google.com/maps/d/edit?mid=z3X9D1QmScWs.kjLPMNEqwaxo
Toronto Office:
#43 – 8500 Torbram Road
Brampton, ON L6T 5C6
Tel: 905-789-8984
https://www.google.com/maps/d/edit?mid=z3X9D1QmScWs.kfJ5qQURWhEs
Calgary Office:
#210-3132 26 Street NE
Calgary, Alberta T1Y 6Z1
Tel: 403-714-8984
Edmonton Office:
Tel: 780-716-8984
Abbotsford Office:
#1A – 2497 Clearbrook Road
Abbotsford, BC V2T 2Y3
Tel: 604-951-8984
or Nationwide call: 1-866-790-8984
http://www.bscc.ca/
https://plus.google.com/u/0/100755473303544230759/about
Don’t spend another year racking up unnecessary debt and dig yourself deeper into an unrecoverable situation – we can help! You can avoid going into bankruptcy – it’s a negative mark on your credit and can last for 7-10 years – where a neutral credit counseling notation is REMOVED once someone completes the program. You really can turn your financial life around quickly – just call us and receive a free evaluation of your situation with some helpful advice and absolutely no obligation to take any action if you don’t wish to.
Remember – you DO NOT (and in a lot of cases, SHOULD NOT) always have to go into bankruptcy – we can share valuable information about your options that your bank or other credit counseling companies may not be willing to share with you – because it’s not in their best interest! We work on YOUR behalf, and thus ensure that you receive the very best information for your specific situation. Contact us today at BSCC for a free consultation about your finances – 2018 can be your year that you begin on the journey to finally becoming debt free!
For over a decade, the professionals at Business Solutions and Credit Counselling Services (BSCC), a registered, government-approved credit counseling firm, has assisted hundreds of thousands of consumers throughout Canada to avoid declaring bankruptcy, prepare a consumer proposal, rebuild their credit rating, and pay off their excessive charge card debt. These are clients who were once struggling to manage excessive debt and financial obligations. We work with each client individually, designing manageable, realistic programs to relieve their financial burden and stress.
For more information about using effective debt counseling nationwide wherever you live in Canada – and how to avoid bankruptcy and becoming debt free from high credit card debt or even business bankruptcies, please visit us at http://www.bscc.ca or call 1-866-790-8984 today! We have credit counseling offices in Toronto, Vancouver (Surrey), Calgary, Edmonton, and Abbotsford.
Become our fan on Facebook:
https://www.facebook.com/CreditAndFinancialCounselling
Follow us on Twitter:
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Join us on YouTube:
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Our Recent Videos:
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Find Us In The News:
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Animated Video created using Animaker – https://www.animaker.com Assisting South Africans who are struggling to pay their monthly credit obligations. Get a free assessment done to see if you qualify to reduce your monthly debt by up to 60%. Clear your credit score today.
Video 3 in our latest interview series – Avineet Kalsey is discussing BSCC’s core company values.
You don’t need to struggle with debt, BSCC can help reduce your debt by over 50%-90% RIGHT NOW – call us today at 1-866-790-8984 – its free!
or Visit:
Business Solutions & Credit Counselling Services
Surrey/Vancouver office:
12033 92A Avenue #205, Surrey, British Columbia V3V 4B8
Tel: 604-951-8984
https://plus.google.com/105539074476281215342
Toronto Office:
#43 – 8500 Torbram Road
Brampton, ON L6T 5C6
Tel: 905-789-8984
https://plus.google.com/110829514532144758690
Calgary Office:
#210-3132 26 Street NE
Calgary, Alberta T1Y 6Z1
Tel: 403-714-8984
Edmonton Office:
10665 Jasper Ave,
Edmonton, AB, T5J 3S9
Tel: 780-716-8984
Winnipeg Office:
330 St. Mary Ave,
Winnipeg, MB, R3C 3Z5
Tel: 204-962-8984
Abbotsford Office:
#1A – 2497 Clearbrook Road
Abbotsford, BC V2T 2Y3
Tel: 604-951-8984
or Nationwide call: 1-866-790-8984
49.047552, -122.337449
https://plus.google.com/114098025449167198058
akalsey@bscc.ca
http://www.bscc.ca/
https://plus.google.com/u/0/100755473303544230759/about
Don’t spend another year racking up unnecessary debt and dig yourself deeper into an unrecoverable situation – we can help! You can avoid going into bankruptcy – it’s a negative mark on your credit and can last for 7-10 years – where a neutral credit counseling notation is REMOVED once someone completes the program. You really can turn your financial life around quickly – just call us and receive a free evaluation of your situation with some helpful advice and absolutely no obligation to take any action if you don’t wish to.
Remember – you DO NOT (and in a lot of cases, SHOULD NOT) always have to go into bankruptcy – we can share valuable information about your options that your bank or other credit counseling companies may not be willing to share with you – because it’s not in their best interest! We work on YOUR behalf, and thus ensure that you receive the very best information for your specific situation. Contact us today at BSCC for a free
consultation about your finances – 2018 can be your year that you begin on the journey to finally becoming debt free!
For over 18+ years, the professionals at Business Solutions and Credit Counselling Services (BSCC), a registered, government-approved credit counseling firm, has assisted hundreds of thousands of consumers throughout Canada to avoid declaring bankruptcy, prepare a consumer proposal, rebuild their credit rating, and pay off their excessive charge card debt. These are clients who were once struggling to manage excessive debt and financial obligations. We work with each client individually, designing manageable, realistic programs to relieve their financial burden and stress.
For more information about using effective debt counseling nationwide wherever you live in Canada – and how to avoid bankruptcy and becoming debt free from high credit card debt or even business bankruptcies, please visit us at http://www.bscc.ca or call 1-866-790-8984 today! We have credit counseling offices in Toronto, Vancouver (Surrey), Calgary, Edmonton, and Abbotsford.
Become our fan on Facebook:
https://www.facebook.com/CreditAndFinancialCounselling
Follow us on Twitter:
https://twitter.com/AKalseyBSCC
Check out our Pinterest Boards:
http://www.pinterest.com/akalseybscc/
Follow us on Instagram:
http://instagram.com/creditcounselingbscc
Join us on YouTube:
https://www.youtube.com/channel/UC4YyGuJMge9uUlFHQA-0L2A
Our Recent Videos:
https://www.youtube.com/watch?v=pFQ6_Ot2QY0
