Non-Profit Credit Counseling to Becoming Debt Free
With these tough economic times, you along with millions of other Americans have been doing whatever they can to keep their families financially safe and secure. Maybe you've taken out a home equity loan, only to have the housing market crash. You have taken out personal loans with your bank, only to have them decline you now. The biggest problem affecting you and your finances is the stack of credit cards that at one time were in your wallet, but now they're cut up in the trash because you've maxed them out. With all of your options exhausted, where do you go from here?
Every day you when turn on the television or the radio you hear commercials for dozens of debt settlement companies. They tell you that if you have over a certain amount of debt, you can have your bills consolidated and become debt free in very little time.
The debt settlement companies will take your information, sign you up and will tell you to stop contacting your creditors.These companies will first ask you for a start up fee, which non-profit credit counseling companies will not do. Normally they set up fee will be a percentage of the total amount of debt that you owe. They will then charge you a large monthly maintenance fee to keep your escrow account going.
The final fees that debt consolidators will charge are settlement fees. Once you've made enough payments to reach a certain amount, the debt consolidators will contact you asking for a fee before your account is even settled. They will tell you that they will contact you when they pay off that creditor. The problem is that they don't pay any creditors off, since creditors refuse to work with debt settlement companies with shady practices.
Thankfully, the debt settlement consumer protection act has now been passed and these debt settlement companies are now forced to comply with certain criteria in order to do business. But even before this act was passed, non-profit credit counseling companies like Consumer Credit of America were doing things by the book.
This is why you need to look into non-profit credit counseling. Non-profit credit counseling companies will not only talk you about your options, non-profit credit counseling companies will deal with your creditors the right way. Consumer Credit of America, non-profit credit counseling company, will give you a free consultation where you can walk away feeling with the utmost confidence that this non-profit credit counseling service is right for you.
Consumer Credit of America isn't a fly-by night non-profit credit counseling company. They have been offering non-profit credit counseling for over 15 years and have helped many people in debt just like you. Consumer Credit of America offers non-profit credit counseling with no set up fees and nominal monthly fees. They will contact your creditors and since Consumer Credit of America is a non-profit credit counseling company that creditors trust, you will see much better results than the dime a dozen debt settlement companies.
This non-profit credit counseling company will either reduce or eliminate your interest rates. You can also have your payments reduced and have your accounts automatically become current, ending the constant calls from collection agencies. Only reputable non-profit credit counseling companies can deliver that.
If you are ready to become debt free, please provide your information in the form on this page. A non-profit credit counseling representative from Consumer Credit of America will contact you immediately.
