Easily compare debt settlement, bankruptcy and debt management plans for what it will cost you, how long it takes, and how long it hurts your access to credit.

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Michael Bovee started CRN in 2004 with a mission to provide people in need with detailed credit and debt help. The DebtBytes Channel is an extension of the CRN blog, and is dedicated to finding the debt relief option or strategy that works best for you.

What you can expect from your budget and debt counseling session with Money Management International.

If you have overwhelming debt, then you know the stress it puts on you and those around you. Speaking with a debt counselor can be like debt therapy.

You didn’t get into debt overnight, and you won’t get out of that way either. But you can trade the sleeplessness nights and anxiety over your debt for the comfort that you are getting help. But like therapy, you need to make the call.

A certified debt counselor from Clearpoint Credit Counseling Solutions can work with you to understand your debt issues, and help work out a plan to get you out of debt. To learn more about their free debt counseling services, please visit the Clearpoint Credit Counseling Solutions website:

http://www.clearpointcreditcounselingsolutions.org/credit-debt/

ClearPoint is one of the largest, most-respected credit counseling agencies in the nation – a 501(c)(3) nonprofit organization whose mission is to promote consumer health through financial education.

Clearpoint Credit Counseling Solutions
8000 Franklin Farms Drive
Richmond, VA 23229
(800) 750-2227

A Debt Management Plan may be the right option for people who are really struggling to satisfy their debts. For confidential advice from an NFCC trained, certified counselor, call 1-800-388-2227 or visit www.DebtAdvice.org.

Watch more Credit & Credit Cards videos: http://www.howcast.com/videos/313540-How-to-Choose-a-Consumer-Credit-Counseling-Service

When life throws you a curve ball, find the best agency to help you get out of debt.

Warning
Be aware that some consumer credit counseling agencies may not be legitimate or honest.

Step 1: Make a list of possible credit counselors
Draw up a list of possible credit counselors. Many colleges, credit unions, and military bases offer credit counseling programs. Find others through web searches or referrals from friends and family.

Tip
If you choose a nonprofit agency, make sure their fees are affordable.

Step 2: See if the agency is a member of a trade association
Eliminate the agencies that aren’t members of major trade associations by searching the websites of the AICCCA and the NFCC.

Tip
Find the AICCCA, or Association of Independent Consumer Credit Counseling Agencies, at aiccca.org. The NFCC, or National Foundation for Credit Counseling, is at nfcc.org.

Step 3: Search for complaints filed against the agencies
Contact your state Attorney General’s office, your local consumer protection agency, and the Better Business Bureau to see if any of the agencies have had complaints filed against them.

Step 4: Get information about each agency
Contact each agency remaining on your list and ask for a basic information packet. They should provide this without asking for financial information or a fee.

Step 5: Review information about services offered
Review the information about each agency’s services. Look for counselors that offer a full range of options, including budget counseling and savings and debt management classes.

Tip
Avoid agencies that offer to enroll you in a Debt Management Plan, or DMP, without reviewing your financial situation.

Step 6: Ask about fees and qualifications
Ask about fees, including set-up and monthly fees. Find out how the counselors are trained and compensated. Avoid services where counselors work on commission only.

Step 7: Get a formal, written agreement
Select an agency that offers services that best meet your needs. Get a formal, written agreement that includes a price quote. Follow their advice and you’ll be on your way to financial freedom.

Did You Know?
At the end of 2008, the total amount of credit card debt in the U.S. topped $972 billion. On average, each American household carried about $8,000 in credit card debt.

Learn about the pre-bankruptcy credit counseling requirement.

http://www.bscc.ca/page/bankruptcy.aspx – How to avoid bankruptcy – call us today at 1-866-790-8984

or Visit:

Business Solutions & Credit Counselling Services
12033 92A Avenue Surrey, BC V3V 4B8
Tel: 604-951-8984 or 1-866-790-8984
akalsey@bscc.ca
http://www.bscc.ca
https://plus.google.com/109367218980858605482
https://plus.google.com/100755473303544230759/about

A consumer proposal is a way to come up with a solution with your creditors to repay your debts. In most proposals you repay less than the full sum outstanding, plus your creditors agree to write off the rest of your debts. It’s a “win-win” for both of you.

Just what is a consumer proposal?

Unlike an informal debt settlement plan, a consumer proposal is a legally binding agreement that you and your administrator work out with your creditors.

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 bankruptcy, prepare a consumer proposal, rebuild their credit, and pay off credit 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 absolve your financial burden and stress. For more information about avoiding bankruptcy and how to become debt free, please visit us at http://www.bscc.ca or call 1-866-790-8984 today!

The first step in bankruptcy is to take the credit counseling class with https://ccadvising.com. You will receive a certificate which is valid for 180 days. This certificate is required to file bankruptcy.

For More Information: Click here https://bit.ly/2PNYksQ

Credit cards can be a useful financial tool, but if you start taking on credit card debt, it can take control of your life. Learn why your relationship with credit cards is unhealthy and how you can use credit counseling to take a break from credit so you can find your financial independence and break your bad credit habits. Once you’ve found your power, then you can decide if you want to let credit back into your life.
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A counselor is an advisor who has the training and resources to help you achieve your best financial future. For confidential advice from an NFCC trained, certified counselor, call 1-800-388-2227 or visit www.DebtAdvice.org.