Non-Profit Credit Counseling
Are you tired of living paycheck to paycheck, and feel like your going nowhere with just paying the minimums on credit cards? Does the idea of a balanced budget seem like a far-off proposal - to say nothing of the prospect of saving for retirement or putting away money for your kid's education? Are you tired of searching for a proven way to finally get debt relief?
If any of this resonates with you, it's probably time to seek out the expertise and services of a credit counselor. A consumer credit counselor will work with you to evaluate your situation and determine the best way to reduce, eliminate, or pay back the debts you owe to your creditors on an accelerated timeframe so you can break free of your pattern of debt.
Request a free debt relief analysis and savings estimate in minutes. Start by answering a few, simple questions here.
Non-Profit Debt Relief
There are many different debt consolidation programs available in America today, and non-profit agencies represent a large number of these. Often, financial and government-backed institutions offer non-profit branches to assist in getting control of debts and credit problems. These organizations can include military bases, universities, credit unions, housing authorities and many others.
But be aware! Just because a credit counseling organization is classified as "non-profit" doesn't mean their services are free (or even affordable in some cases) - and some companies are less than ethical in that they may over-promise when it comes to the results you can reasonable expect to achieve. Be especially careful of those companies that charge high fees, many of which can be hidden, or those that urge you to make "voluntary" contributions to the company. Doing so may result in you falling further into debt.
Explore your debt relief options. Request a FREE debt relief estimate and savings analysis, at no obligation to you.
Questions to Ask Debt Relief Agencies
When looking for a reputable, legitimate agency to help you climb out of debt, ask the following questions and take note of which agencies provide straightforward information.
- What services are offered at this company?
- Are there educational materials about debt relief you can provide me with?
- Beyond solving my debt, can you help me formulate a financial plan that will help me stay OUT of debt?
- Will you still work with me if I can't afford your fees or make contributions?
- What are the types of paperwork that I will need to sign before we get started?
- Are you licensed by the state board?
- What qualifications do your counselors possess?
Remember, many reputable non-profit credit counseling agencies can generally provide you with free information on the history of their organization and the services they provide, without pressuring you to sign up for any type of debt management plan. Counselors at legitimate companies will be able to educate you in the areas of consumer credit, debt management and household budgeting. They will want to discuss your entire financial situation, and then work with you to develop a plan that will solve your unique money management issues.
Make a list, make your choice, and get on the road to financial freedom!
Once you've narrowed down your potential counseling agencies, check with the Better Business Bureau or local consumer protection agency to see if there have been any complaints filed against the companies you're considering. If not, you can feel confident that any of these choices can provide you with sound financial advice - just be sure to ask the questions we listed above and pay close attention to which companies are open and straight-forward, and which try to avoid certain topics.
Getting debt relief can take a bit of research and due diligence, but working with the right non-profit credit repair company is a good step in becoming debt-free. So be smart, do your homework, and soon you'll find that debt doesn't have to be part of your day-to-day reality -- at least for the rest of your life!
See how debt relief can help you. Answer a few, simple questions to get a FREE debt relief estimate and savings analysis - at no cost to you.