Get Free From Debts With Debt Counseling
April 24, 2010 by admin
Filed under Debt Relief
Debt counseling is similar to debt consolidation. It was established to provide the average person with knowledgeable information and directions to take care of their financial problems. They are professionals and well acquainted with guiding people to a financial plan that will help them become free of financial obligations.
Upon consultation, everything about a person’s finances and their obligations must be revealed. One must also reveal spending habits as that is often why the person is in this situation in the first place. It is only by cooperating fully that any plan of action can be developed.
One might be asked to detail how their money was spent during the past week or so. This will reveal if it included eating out a couple of times, buying theater tickets or engaging in a favorite hobby. It will be pointed out that these are not necessities, they are for personal pleasure that one can do without until they are debt free.
The counselor can develop a plan that will satisfy the creditors while removing the stress of getting behind on bills. However, it will only be successful if one follows through and sticks with it. Habits are hard to break but if a person is really serious and willing to follow instructions they can eventually be debt free.
In seeking debt counseling one should be wary of any company that offers to cut debts in half or dispense of obligations quickly. Debt settlement is very risky and should be avoided as it is never to the advantage of the consumer. By following the plans laid out by the counselor one will eventually not be overburdened with financial problems.
As I’m a fellow blog author I know it is hard as hell to think of worthwhile article subjects time and again. So I just want to say: kudos! Regards, Laraine Echoles
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Mom;Sorry to hear about our situation.Based on what you have rvaeeled, it sounds as though you are a candidate for debt settlement. The fact that you have access to money right now in order to settle your debts is a positive thing and will certainly speed up the process.Here is one tip that I offer to my readers at my website with regards to choosing a debt settlement company. Make sure you deal with a large company that negotiates on behalf of many people with the same credit card companies.Why you ask?Instead of negotiating with your credit card card company(s) to reduce just your $50,000, they will pool your debt with other people’s debt and negotiate a much larger balance, sometimes well over $1 million. This gives them a greater amount of clout and will/should ultimately reduce the amount that you will have to pay your creditors to settle our debt.A downside of debt settlement is that it will have a very negative affect on your credit. Keep that in mind.Here is the company that I recommend for debt settlement ( ) and I verified that they will work with you in Ohio.Best of luck Mom.If you would like further information on debt settlement and/or your other options please visit my debt information site,
Each CELLPHONE call has potential to be a voiiatlon potentially costing $1500 for EACH instance they call or leave message depending where you reside (voiiatlons can rack up between various federal law + your state laws. This does not count the possible FDCPA laws as well. So if you want to make some money off collectors, write to let them know not to call but in the meatime let them do so they violate. Keep a log of all cellphone calls, recordings, cellphone bill, and proceed with lawsuit.
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Negotiating with them will do nothing. They have no istreent in helping people who are paying their bills ontime. How is your credit in general? Do you know your score? If you are paying your bills ontime and you have a good credit score unfortunately if you want to keep it that way you will have to grind it out.If you are behind on any of your bills that is a different story. They are very concerned with chargeoffs right now and they dont want people to stop paying all togehter. If you are late today then you may have some power. Seems ridiculous but it’s true.Call them up and when they ask if you are able to make your payments, you say no. Tell them you will stop paying anything unless they work with you and that you are going to see a bankruptcy attorney later in the week .which might not be a bad idea by the way.If you make less than 100,000 annually there is no way you will ever get this paid off, you should really get a fresh start.
The federal nlhepeote soliciations act has nothing to do with collections .debt collectors aren’t trying to sell anthing, they are trying to collect money that is legally owed. Its true that if you tell them not to cll they have to take your number out. They dont have to send you a copy of a do not call policy, thats crap why don’t you give advice telling people to negotiate and they will get a huge settlement which essentially will save them thousands on the card the selfishly ran up..
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I am a former Financial Counselor (debt and cirdet); I used to work for an extremely reputable company called Consumer Credit Counseling Services. At that time, the counseling services were free and there were no fees. Since then, Money Management International merged with CCCS. MMI has a wonderful and flawless reputation (no fraud, etc. Check the BBB) They are literally able to pull you out of your bankruptcy option (which is better for your cirdet). MMI/ CCCS already established relations with all major cirdet card companies and department stores almost 20 years (basically, all revolving cirdet). Having such a long term relationships with these companies, they will knock out overlimit fees and late fees; plus, they are able to lower your interest rates, therefore enabling you to whittle away at your overall balances. With regular monthly payments (which is the Absolute Key with any of these programs) you will actually be able to see the results of your total debt balance decreasing with each payment you make. I believe there is a fee once you decide to join The Plan; but all counseling sessions are free. They also have budgeting, retirement/ financial and mortgage counseling. For more information, you can look on-line at moneymanagementinternational.com.Call them. They will schedule an appointment for you to speak with a Certified Financial Counselor (NFCC). They will be able to help you and answer any and all questions you may have.
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The federal tnehpeole soliciations act has nothing to do with collections .debt collectors aren’t trying to sell anthing, they are trying to collect money that is legally owed. Its true that if you tell them not to cll they have to take your number out. They dont have to send you a copy of a do not call policy, thats crap why don’t you give advice telling people to negotiate and they will get a huge settlement which essentially will save them thousands on the card the selfishly ran up..
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I strongly rmecomend you check out Dave Ramsey is a financial whiz whose program has changed my life completely I am a single mom who has paid off $15K in debt in the past year and cannot believe how easy his program is to do and how much it works.The web site has all sorts of information, including links on Ramsey certified counselors in your area. I can’t rmecomend the program or its counselors enough. You will be glad you tried it! They also give you tips on what to look for in a credit counselor and what types of services to avoid.BTW, congrats on only $4500 in debt. That is not much compared to a lot of people (or myself, who was stuck with a lot of medical bills in particular after divorce). With the Ramsey plan and help from a counselor, you will be in great shape. Good luck!!EDIT: Credit counseling does not affect your credit rating whatsoever. Your going to talk to someone for financial advice has nothing to do with your credit report.
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