Get Credit Counseling Here – http://creditcounseling.debtconsolidation.com

What Is Credit Counseling?

Are you struggling financially and trying to dig out from a mountain of debt? Credit counseling could be just the solution you’re looking for.
Credit counselors work with consumers to educate them about money and debt, and help them develop household budgets a plan to eliminate debt. Credit counseling can offer financial guidance or negotiate with creditors to resolve unsustainable debt. However, counselors cannot offer legal advice. All meetings between a credit counselor and clients are considered confidential.

Accreditation Groups

Credit Counseling agencies typically belong to an accreditation group, such as the National Foundation for Credit Counseling or the Association of Independent Consumer Credit Counseling Agencies. These groups develop standards, provide accountability for its member agencies and set suggest fee schedules. The National Foundation for Credit Counseling suggests fees should be no more than $50 for a set-up and $25 monthly thereafter. Members of the Association of Independent Consumer Credit Counseling Agencies must agree to cap the initial charge at $75 and the monthly maintenance fees at $50.

The Credit Counseling Plan

When you meet with a credit counselor, having an honest discussion of your finances is paramount. You must be prepared to disclose all aspects of your financial life so the counselor will have a clear and complete financial picture of your income, household expenses, existing debt and spending habits. Copies of financial statements – including the debt accounts — will be needed.
The credit counselor helps develop a unique plan that might include a debt management plan, improved budgeting, bankruptcy, or a combination of these. Financial management and educational tools are provided, as well as materials to help clients develop savings and retirement plans.

Finding A Credit Counselor

Finding a credit counselor in your area has never been easier. Start by making a list of member agencies of the National Foundation for Credit Counseling or the Association of Independent Consumer Credit Counseling Agencies. Next, contact either your state attorney general local consumer protection office to find out whether there have been any complaints filed. You can find information on your state’s regulations by visiting the state pages on our site.

Most agencies will offer an initial meeting at no charge. This meeting usually lasts about one hour, and gives you the opportunity to find out if the agency will be a good fit.

About Nonprofit Agencies

Many credit counseling agencies are nonprofit and typically derive their funding from fees paid by clients, grants from the credit/lending industry and a percentage of the payments made by debtors. Up to 15 percent of what is collected can be returned to the agency. Under IRS guidelines, a non-profit credit counseling agency can only collect up to 50 percent of its revenue from these payments.

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“Beverly Harzog is a credit warrior. She has gone into the arena, faced the lions, and emerged as one of the foremost experts in the field. I believe that her encyclopedic knowledge of the world of credit cards is unmatched.”
-Adam Levin, Chairman and Cofounder, Credit.com

Credit card expert Beverly Harzog shares how she went from being a credit card disaster to a credit card diva.

When Beverly got out of college, she spent the next 10 years racking up debt on seven credit cards. Credit card limits, she believed, were merely “guidelines,” certainly not anything to be taken seriously. . .especially if she was in dire need of a new pair of shoes. The fact that she was a Cpa at the time adds an ironic twist to the credit quagmire she slowly descended into.

In Confessions of a Credit Junkie, Beverly candidly details her own credit card mishaps and offers easy-to-follow advice, often with a touch of Southern humor, to help others avoid them. In this much-needed book, you’ll learn:

How to use the Credit Card Personality Quiz to choose the right credit cards
The seven ways to use a credit card to rebuild credit
How to get out of debt using a balance transfer credit card-and pay zero interest while doing it
Credit card strategies to save a bundle on groceries, gas, and more

Anyone in debt will benefit from the down-to-earth, practical tips Beverly offers.

The staggering United States debt has a direct impact on every American, yet few are aware of where the debt came from and how it affects their lives
The United States has a debt problem—we owe more than $18 trillion while our gross domestic product, the value of all goods and services produced in America, is only $17.5 trillion. To pay down the debt, some recommend austerity, cutting federal expenditures. Others suggest increasing taxes, especially on the wealthiest Americans. In Understanding the National Debt: What Every American Needs to Know, economic historian Carl Lane urges that the national debt must be addressed in ways beyond program cuts or tax increase alternatives, but change can only occur when more Americans understand what constitutes our debt and the problems it causes. The gross national debt is composed of two elements: the public debt and “intragovernment holdings.” The public debt consists of bonds, bills, and notes purchased by individuals, banks, insurance companies, hedge and retirement funds, foreign governments, and university endowments. Intragovernment holdings refers to money that the U.S. Treasury borrows from other parts of the government, principally Social Security and Medicare. This accounts for approximately a quarter of the gross national debt, but that is money that we owe to ourselves, not another entity. The more the government borrows, the less is available for private sector investment, creating a “squeeze” effect that inhibits economic growth. The most burdensome problem is the interest due each year on the debt. Every dollar spent on interest is a dollar less for other purposes. Those elements of the federal budget which are termed “discretionary” suffer. The mandatory elements of the budget—Social Security, Medicare, Medicaid, and the interest on the debt—must be provided for, but defense and national security, education, energy, infrastructure repair and development, and other needs wind up with less. By understanding the national debt we have an opportunity to address our real debt challenge—its principal and interest.

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A “New York Times”-bestselling author–and one of the most controversial men in corporate America–blows the lid off the banking and credit card industries.

Every student wants Extra Credit! Extra Credit is not just another boring finance book. You’ll learn: • The top 10 ways credit card companies trick you. • When to use debit cards and when to use cash. • What is a credit score? • How to choose the right student loan. • The keys to succeed in college. • And much more…

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The balance sheet is the key to everything–from efficient business operation to accurate assessment of a company’s worth. It’s a critical business resource–but do you know how to read it? How to Read a Balance Sheet breaks down the subject into easy-to-understand components.

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