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Non Profit Debt Management

Getting into debt is easy - it's getting out of debt that has so many Americans frustrated! With nearly $2 trillion in national debt, we've got a long way to go as a country before we can finally declare ourselves debt-free. And while sometimes all it takes is a good honest look at our household budgets, and perhaps some guidance from debt relief software...sometimes it takes a bit more. Sometimes it takes help from trusted, knowledgeable credit counselors to see us through everything from debt consolidation to bankruptcy - and all the steps in between.

Explore your debt relief options. Request a free debt relief estimate and savings analysis, at no obligation to you.

As you look for these trusted credit counseling agencies, no doubt you will stumble upon non-profit debt relief agencies. But what are they exactly? And how can they help you? Let's take a closer look.

Non-Profit Agencies: Are They Right For Me?

Non-profit credit counseling agencies work exactly the same way as their for-profit counterparts. In fact, the only difference is usually in how they are marketed. That being said, it's here that you need to be careful, because "non profit" doesn't necessarily mean better - it also doesn't always mean cheaper, or even represent a "good" decision.

Often, non-profit agencies are simply divisions of financial institutions. These divisions are less concerned with bringing in additional profits, since their parent company handles for-profit matters. So when you speak to a representative at a non-profit agency, be wary of hidden fees and pressures to make "voluntary" contributions in order to secure a higher level of service. These are just ploys to get more of your money - steer clear and look for a more reputable agency.

How do I know if a non-profit agency is the right one for me?

Like any major decision, finding a good non-profit credit counseling or debt management firm takes time and research. When you meet with a representative, ask the following questions and look for answers that you're comfortable with:

  • What range of services do you provide?
  • Are you able to give me materials that will help me understand money management better?
  • Do I need to make contributions or pay fees to retain your services?
  • Once we eliminate my debt, do you have programs in place that will help me stay out of debt?
  • What does it take to become a credit counselor here - what qualifications are necessary?
  • How does your company rank with the Better Business Bureau?

What should my non-profit credit counseling agency do for me?

Any good debt consolidation firm is going to help you reduce your debt by restructuring it on better terms than you are probably currently facing. This type of debt management differs from debt settlement, which is chiefly concerned with settling your debt and having you pay it off in one lump sum as quickly as possible.

Credit counselors will work with your creditors and make proposals requesting lower credit card interest rates and asking that they waive fees and penalties, making it easier to pay off the balances you owe without having to worry as much about just servicing interest.

Non-profit Debt Relief: A final thought

As we said before, take your time and do your homework when it comes to choosing the right agency to work with. Having a good relationship with your credit counselor will make all the difference, and put you on the path towards getting back on your financial feet and living debt free!

Request a free debt relief analysis and savings estimate in minutes. Start by answering a few, simple questions here.

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Creditors calling?

When you're falling behind with credit card debts and creditors are calling – it feels great to know that there's a debt program to lower your payments and get you out of debt much faster than you ever imagined.
Who we're helping right now...
$30,000 debt relief savings estimate
– Montrose, CO

Unexpected bills

Credit card debts and unexpected medical bills can put you in a real bind. Fortunately, debt relief plans can reduce interest rates, lower monthly payments, and help you get out of debt faster.
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$30,000 debt relief savings estimate
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A brighter future

When you work hard to provide a bright future for your children, you don't want high interest credit card debts to get in the way. You need a proven path to become debt free as quickly as possible.
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$10,000 debt relief savings estimate
– Cincinnati, OH

Debts piling up

When you own your own business, it's easy for credit card debts to become a problem – bills piling up, creditors calling, and you need a way out. The good news is, debt relief can help you save money each month and take control of credit card debts.
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$90,000 debt relief savings estimate
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Credit card debts can add up quickly, especially when families run into unexpected expenses like medical bills, or loss of a job. The good news is there are credit card debt hardship programs that can help you.
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Financial hardships

When you go through tough times and credit card debt start closing in on you – it feels good to know there are debt hardship assistance programs to help you get back on track.
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$20,000 debt relief savings estimate
– Rockford, MI

Retire debt free

When you're planning for retirement, paying monthly credit card minimums will get in the way of your dreams. The good news is, credit card companies may be willing to reduce your interest rates, waive late fees or even settle debts for much less than you owe.
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$50,000 debt relief savings estimate
– Oregon, OH