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What type of
debts do Credit Counselors handle?
Credit Counselors work with "unsecured" debt, or debt not secured with collateral.
These debts include credit cards, medical and legal bills,
judgments, unsecured or personal loans of any type, retail debt,
debt owed after repossession, and accounts in collections.
Can you help
put an end to creditor harassment?
One of the main reasons people consider bankruptcy is to escape the
imprisonment felt by phone harassment from creditors. One of the
first steps taken after you enroll in a program is that
notification letters are sent to your creditors advising them to only have
direct contact with your Credit Counselor as they are working on your behalf.
Free Debt Consolidation Quotes
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Wouldn't it be
easier to declare bankruptcy?
Although bankruptcy can eliminate your debt, the harsh consequences
of this decision can stay with you for many years. The experience
alone will involve Federal court appearances, disclosure of all
debts AND assets and the uncomfortable feeling of being at the mercy
of others. The adverse effects on your credit will fan out onto
other aspects of your life as well. The record will be on file with
credit bureaus for 10 years potentially affecting you in purchasing
a house, a car or even gaining employment. Also, due to recently
passed laws, you might still be required to pay off your debts in
full over a period of time. These laws have made it considerably
harder and less desirable to approach filing for bankruptcy as a
means to resolve your debts. Even if you are able to file for
bankruptcy, the process alone and the embarrassment and stigma that
accompany it will haunt you for many years.
For a free consultation from a
Credit Counselor, please fill out the short form below and you will
be contacted within one business day: |
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