Looking for debt relief but not sure how it works? You’ve come to the right place! Christian Credit Counselors is a non-profit Credit Counseling and Debt Management organization. For the last 24 years we have helped over 300,000 Americans to get out of debt.

Our Mission is:
1 STEP 1:
Meet your personal Credit Counselor, for your free no-obligation debt analysis. Your counselor will work with you, reviewing your debt information to find the solution that is right for you.
2 Step 2:
Your Credit Counselor will provide you with a free budget and debt analysis. You will have an opportunity to ask questions and learn about how much you will save on the program.
3 Step 3:
Our team will lower your interest rates and consolidate your payments into one easy monthly payment that you can afford. Say good-bye to dealing with your creditors, we take care of everything for you.
Our average client pays off their debt up to 80% faster! Our client pay off time ranges from 24- 60 months depending on their total debt. Are you ready to get out of debt, and see how much Christian Credit Counselors can save you?

Struggling with credit card debt? Debt mediation might be the step you’ve been looking for. We help create a personalized repayment plan and guide clients through negotiations so payments become more manageable.

See if you qualify: https://debtaidconsulting.com/debt-aid-contact-us-form/?utm_source=yt

???? Note: Our services cover credit card debts and unsecured loans from banks and financial institutions.

#DebtAidConsulting #DebtFreeJourney #DebtMediationPH #CreditCardDebtHelp #UtangSolutions #DebtReliefPH #SmartMoneyPH

With the total credit card debt amount rapidly approaching $1.2 trillion, many consumers are struggling to make ends meet. According to LendingTree, the average household in the United States owes $7,236 – a 38% increase from 2021. The average interest rate on credit cards currently is an ugly 24.26%. When you connect these stats with the fact that millions of Americans pay only the minimum payments each month, climbing out of debt seems nearly impossible for some in 2025. At least trying to do so on your own is.

Luckily, benefits like lower monthly payments and lower interest rates are available through Debt Management Programs. And thanks to record breaking savings at DebtWave in 2024, these benefits make it possible to achieve financial freedom.

Debt Management Plan Payment Reduction
Clients that enrolled onto DebtWave’s Debt Management Program (DMP) in 2024 merited an average payment reduction of $220. The average minimum payment plummeted from $915 to $695. This shatters the previous year’s record of a $193 payment reduction.

A big factor that made these savings possible are the attractive concessions offered by the credit card companies. In 2021, creditors wanted about 2.71% of the balance as the monthly payment to enter a DMP. In 2024, that percentage decreased to 2.54%. Additionally, payments on own increased from 2021 to 2024. Creditors required about 3.15% of the balance when making payments on their own in 2021. That percentage increased to 3.35% in 2024.

Credit card companies have been generous with interest rates on DMPs as well. In 2020, the average interest rate obtained on the DMP was 8.2%. In 2024, the average APR dropped to 6.8%, setting a new record at DebtWave. As payments on own increased in 2024, so did the interest rates on own. The average APR per client on own in 2024 peaked at 23%.

Average Debt Per Client Enrolled
The average balance enrolled per client soared in in the last two years. Another record high established in 2024 with the average surpassing $27,000. This is nearly double the amount of $15,799 in 2022.

When you combine the payment savings and the monthly finance charge savings, you have clients making significant progress to their principal balance. From 2020-2022, the average total combined monthly savings was less than $300. In 2024, the monthly savings nearly doubled to $596.

We expect and hope these incredible concessions to continue in 2025. For those facing high balances on their credit cards and experiencing a financial hardship, help is available. Taking the first step toward financial freedom is the most important step to take. Find more information about credit counseling and our program or get started online.

Credit card debt can feel endless, but there’s a smarter way to deal with it. Through a debt mediation program, you can potentially:

???? Reduce the total amount you owe
???? Stop constant collector calls and harassment
???? Create a payment plan that matches your actual income
???? Regain control of your finances without taking a new loan

If you’re working and struggling to keep up with payments, this might be the right time to explore your options.

???? Message Debt Aid Consulting International today to check if you qualify.
???? We handle credit card debts and unsecured loans from banks and financial institutions.

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? ???????? ???????????????? ???????????????????????????? ???????????????? ???????????????????????????? ???????????????????????? ???????????????? ???????????????????? ???????????? ???????????????????????????????????? ???????????????????? ???????????????????? ????????????????, ???????????????????????????????????????? ???????????????????????????????????? ???????????????????????????????????????? ???????????????? ???????????????????? ????????????????????????????????????.

#DebtAidConsulting #DebtFreeJourney #DebtMediationPH #CreditCardDebtHelp #DebtReliefPH #FinancialWellness #SmartMoneyPH

ACCC got Patricia’s Credit Score up from 515 to 715!

A friend told Patricia about American Consumer Credit Counseling (ACCC) and she gave them a call. Within 24 hours, she was talking to an ACCC financially certified Credit Counselor for a FREE CONSULTATION.

Her ACCC Credit Counselor spent hours with her over the phone. They looked over every bill, piece of debt, what she owned, and what exactly she was making. From that, they created a brand-new budget, and a plan to becoming DEBT-FREE. The next step? She signed up for ACCC’s Debt Management Program (DMP)

In the DMP, ACCC got her creditors to drastically lower her credit card interest rates, consolidate all of her debt into one lump sum, and set up a reasonable payment plan that she could afford. Not only was she crushing $18k of debt, but her Credit Card Score went up 200 points. She made it happen and all she had to do was call ACCC.

#ACCC #DebtRelief #CreditCardDebt #DebtFreeJourney.

So, what are you waiting for?

If you have any CREDIT CARD DEBT, contact us for a free consultation today! We could be saving you hundreds of dollars a month and thousands in the long run.

Call us at 866-206-5450

Our financial counselors are standing by to guide you on your journey to financial freedom. ????????

Check out our site for additional info:

https://bit.ly/3Vc8O93

#accc #creditcarddebt #creditcard #debtmanagement #payingoffdebt #payoffcreditcards #DebtManagementPlan #credit #creditscore

Is the program free? #DebtFreewithDebtAid #DebtAidConsultingInternational #DebtFree

Ready to take the first step towards debt relief? Message us to find out if you qualify for debt mediation. #DebtFreewithDebtAid #DebtAidConsultingInternational

If you are considering entering into a Credit Counseling or a Debt Management Program (DMP) in Canada, it is important to know the Pros and Cons of this debt program. A Credit Counselor can go through the other Pros and Cons, but this video focuses on how it affects your credit. Learn the Pros and Cons of this debt program, so you can know if it is the best solution for you and your family!

Which debt program is better for your Credit in Canada
https://youtu.be/q70E531ldqw

Credit Counseling or DMP Summary Image
https://creditgame.net/wp-content/uploads/2022/11/Credit-Counseling-DMP-detail-image.png

Comparing Debt Program Summary
https://creditgame.net/wp-content/uploads/2022/11/All-Debt-Programs-1.png

Pros and Cons of Bankruptcy – https://youtu.be/cvP1rDpt9ew
Pros and Cons of Consumer Proposal – https://youtu.be/3AI43NFT-U0
Pros and Cons of Orderly Payment of Debt (OPD) – https://youtu.be/MSK-fdILCPw
Pros and Cons of Debt Settlement – https://youtu.be/jHrNzW9NcjQ
Pros and Cons of a Consolidation Loan – https://youtu.be/0Uy_ZzozgUY

Why a High Score is not enough!
https://youtu.be/B0go_iYJ5eI

LINKS

MY STREET CRED:
– https://creditgame.net/street-cred/

RESOURCES BOOK:
– The Credit Game – https://www.amazon.ca/Credit-Game-Rules-Every-Canadian/dp/0991690222/ref=sr_1_1?crid=NRKVLXS64VG6&keywords=the+credit+game&qid=1674316061&sprefix=the+credit+gam%2Caps%2C124&sr=8-1

CREDIT COURSE:
• FOR ALL CANADIANS – The AHA! Credit Course – https://www.learnthecreditgame.net/offers/B9gPdPQo
• REBUILD CREDIT FOR MORTGAGE FINANCING – The Mortgage CREDucation Course – https://www.learnthecreditgame.net/offers/AQoFNg9a
• REBUILD CREDIT AFTER A DEBT PROGRAM – The Life after Debt CREDucation Course – https://www.learnthecreditgame.net/offers/ob2iH8yo

FOLLOW US:
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FACEBOOK – https://www.facebook.com/TheCreditGameCanada
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ONLY FOR CANADIAN MORTGAGE PROFESSIONALS
*If you are a Canadian mortgage professional below are the links to the private pages*:
https://www.facebook.com/groups/731868324863099
https://www.linkedin.com/groups/14056075/

DISCLAIMER This YouTube channel is produced for your general education and entertainment. We have done our best to ensure that the information provided is correct and helpful, however, nothing on this YouTube Channel should be considered financial advice. We cannot be held liable without knowing your specific credit or financial situation. Email me directly at info@CreditGame.net if you would like a one-on-one consultation.

#creditcounseling #creditgame #credittv

For more information regarding this video, check out this link: https://www.debt.com/credit-card-debt/management-program/

How does a debt management program work?

With a debt management program, credit counselors negotiate with your creditors to accept a new payment plan and lower interest rates. Interests range from zero percent up to about eleven percent depending on the creditor.

All of the debts are consolidated into one monthly payment that works with your budget.

The large reduction in interest enables you to pay off the debt faster and more money each month goes towards principal. Most people complete the debt management program in about three to five years.

Enrolling in the program usually doesn’t have any negative impact on your credit score as long as you keep up with the payments. In fact, many people with low credit scores at the start of the program usually see their credit improve by completion. Since your creditors agree to the payment plan, it helps you build a positive credit history as you pay off your debt.

The best way to find out if this solution will work for you is to speak with a certified credit counselor who will evaluate your finances. If a debt management program is your best option, they can help you enroll. Otherwise, they’ll let you know which solution you should pursue.

If you enroll in a debt management program, the credit card accounts you include will be frozen and you will not be able to use those cards. In many cases, you can also include medical debt and payday loans.

Debt management plans are a great way to help your family get out of debt and continue to reach your financial goals.

To get started, simply fill out our form or better yet, call us now, and we’ll match you with the best solution for your situation, for free. We are A- plus rated by the better business bureau and have helped thousands of people become financially stable.

So, don’t struggle any longer, give us a call. When life happens, we’re here for you.

With a debt management program, credit counselors negotiate with your creditors to accept a new payment plan and lower interest rates. Interests range from zero percent up to about eleven percent depending on the creditor.

All of the debts are consolidated into one monthly payment that works with your budget.

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How long is the Debt Mediation Program? #DebtFreewithDebtAidConsultation