Achieve Peace of Mind and Debt Solutions with Non Profit Credit Counseling

What does the sweeping credit card reform mean to you and your debts? A non profit credit counseling agency can help you figure that out.

The most significant rule limits when card issuers can increase interest rates on existing balances. Other provisions strengthen consumer protection by ensuring that:

- consumers can get their rates dropped six months after an increase if they make their payments on time and are not over the limit
- users have the chance to opt out if they disagree with credit card debt term changes
- unfair or deceptive practices are banned

There are many more reforms which ensure greater transparency in credit card statements, notably, how long it will actually take users to pay off their credit card debt with minimum payments and how much they have to pay to be debt free in one, two, or three years.

Further, the new credit card reform law also requires issuers to list phone numbers of nearby non profit credit counseling agencies. After all, while having greater disclosure is all very well and good, you still have a problem if you are stuck with overwhelming debt.

There is help at hand as non profit credit counseling agencies can help you with a road map to get to financial freedom.

What can you expect from non profit credit counseling?

You get help to:

- better manage your money
- create a practical budget, lower expenses
- find tools for financial education

With the new credit card reform disclosure comes a warning showing how long you are going to take if you make only minimum payments each month. This kind of information can be pretty shocking when you realize that it may take you 33 years to pay off a $10,000 loan and a whole lot more in interest.

Your First Step to Financial Freedom with Non Profit Credit Counseling

If this describes your situation, you can count on a non profit credit counseling agency to:

- determine the extent of your debt problem
- review monthly expenses
- come up with options and solutions for your credit card debt,
- devise a plan customized to your circumstances
- get you to financial stability and freedom.

The assistance from the non profit credit counseling agency is extended confidentially. Non profit credit counseling is not just about the debt, it is about financial education helping you make informed decisions and reduce your stress so you can enjoy your life again.

Here is an opportunity to take your first step towards financial freedom with non profit credit counseling. All you need to do is fill the contact form on the right for a free consultation with a highly trained, non profit credit counseling professional to get you back to financial stability.

These non profit credit counseling experts recognize that every debt situation is unique and are committed to coming up with solutions that will fit you. The final decision for debt freedom rests with you. But you know that when you take your first step towards that goal with a non profit credit counseling agency, you are doing so in very good hands.

To get started, simply fill out the form to the right to be contacted by a credit counseling expert ready to help you! Or for immediate assistance, just call the phone number listed above!