YP - The Real Yellow PagesSM - helps you find the right local businesses to meet your specific needs. Search results are sorted by a combination of factors to give you a set of choices in response to your search criteria. These factors are similar to those you might use to determine which business to select from a local Yellow Pages directory, including proximity to where you are searching, expertise in the specific services or products you need, and comprehensive business information to help evaluate a business's suitability for you. “Preferred” listings, or those with featured website buttons, indicate YP advertisers who directly provide information about their businesses to help consumers make more informed buying decisions. YP advertisers receive higher placement in the default ordering of search results and may appear in sponsored listings on the top, side, or bottom of the search results page.
Not all consumers are able to complete debt relief programs for various reasons, including their ability to save sufficient funds. The use of debt resolution services could negatively impact your credit and may result in legal action on the part of creditors or collectors for unpaid balances. Consumers enrolled in debt consolidation programs who fail to adhere to the terms of their debt management plan (DMP) may forfeit the benefits of debt relief and revert to the terms of their original creditor agreements. Read and understand all program materials prior to enrollment. Please contact a debt relief specialist for complete program details.

Some creditors may report that a credit counseling agency is repaying the account. Don’t worry if they do. FICO, the data analytics corporation that calculates consumer credit risk, ignore such reports. An individual lender may care, but FICO doesn’t. Of course, any late payments or high balances on accounts will continue to impact your credit score.


SoFi has taken a radical new approach when it comes to the online finance industry, not only with student loans but in the personal loan, wealth management and mortgage markets as well. With their career development programs and networking events, SoFi shows that they have a lot to offer, not only in the lending space but in other aspects of their customers lives as well.
For example, a person with three or four credit cards, might owe a combined $20,000 on the cards and be paying something like 24 percent interest. The credit counseling agency representing him could go to a bank and negotiate a loan at half that rate and save quite a bit of money in interest. The loan money would be used to pay off the credit cards, creating a zero balance on each card. Instead of making three or four payments every month, the person would have only one payment.
Debt management is one of several debt-relief options for those who are struggling to keep up with a growing pile of bills each month. When you sign up for a debt management plan, you pay a single company every month instead of all of your creditors individually. The debt management company then pays off your creditors for you, usually after negotiating lower interest rates and payments.
Not into starting your own business? Then consider becoming a driver for Lyft or Uber. A pizza delivery job at night could also bring in extra money. You can even deliver other types of food in your spare time by working for places like uberEATS or Grubhub. Sure, you’ll have to put aside your pride and give up some nights and weekends of downtime. But that’s a small sacrifice for extra cash in your pocket.
In most cases, medical debt has no interest rate attached to it so there really is no gain by including it in a debt consolidation program. Remember the key elements of debt consolidation are: a) a reduced interest rate; and b) lower monthly payment. The one advantage to medical debt consolidation is that it becomes part of your single, monthly payment and could help you pay off the debt faster.
It’s also worth noting that working with debt counselors doesn’t negatively impact your ability to qualify for new financing. Even if you enroll in a debt management program, you can still get approved for loans, such as a mortgage or an auto loan. You can’t open new credit accounts during enrollment. However, you can get approved for major financing to purchase a home or car or to fund a higher education. This way, you don’t have to put your life on hold while you pay off your credit card debt.
Through a nonprofit credit-counseling agency, you can work with a counselor to resolve your financial problems on your own, says Bruce McClary, vice president of public relations and external affairs at the National Foundation for Credit Counseling. Or you can enter what’s called a debt management plan. Through that plan, you can consolidate your credit card payments and get the cards’ interest rates reduced, making your financial obligations easier to tackle.

Gerri. I screwed up bad. I joined up with a friend who said he can get a company going. I bought $13,000 worth of merchandice and loaned him through time about $15,000 in cash Through cash advanced from my cards. He bailed. I got about $4000 in tools back but I had previous balances(that were controlled) I ended up getting a consolidated loan. Big mistake. Total I owe $13,000($320 month)on a card and $34,000($806 month) to consolidated loan. Now I’m thinking of debt relief($906 per month){total of $34,000which is lower than what I owe on the two debts} My score is 750 est and I don’t want to hurt that. I have house payment of $540 (pay off est $74,000) Car at $450 (pay off approx $15,000)one at $300(pay off approx $13,000) and one at $325 (pay off $23,000{bran new}) and basic stuff. Food, power bill, cable, insurance & cell phones that total up to approx $1300 month. My wife takes care of all that but the mistake of the two debts is all mine. I give her 80% of the pay and I take 20%. I average take home about $2500 to $3000 est every two weeks. I think I need a counselor. What should I do? I’m freaking cause I started the debt relief program($34,000 at $906 for 38 months which is lower than what I owe total on the two debts I’m discussing). but haven’t signed the final paper just yet. I feel I make enough to pay off everything in no time but my wife says we are living paycheck to paycheck. All my wife’s cards will be paid off probably in March. I’m like way confused
Financial education. You'll have access to a wide variety of educational resources for help getting out of debt. These include newsletters, articles and tools on our website that can help you manage credit card debt, budget your finances more effectively, learn about how to stay out of debt, and get answers to questions like "How can I improve my credit score?" and "What is debt consolidation?"
If you are working with a credit counselor and think you’ll miss a payment, they can take proactive steps to mitigate consequences and create a plan to get you back on track. They can even negotiate to have additional late payments or late fees reduced or waived if you miss a payment. The key to making this work is being completely open and honest about your situation and speaking with your credit counselor as soon as you realize your payment will be late.
How Long Will It Take To Get Out Of Debt? It depends on how quickly you can build up your settlement funds and save for the settlement offers. The program length varies between 24-48 months, the faster you can save, the quicker you can get out of debt. If you only make the minimum payments on your credit cards, you could be in debt for the next 10-20 years and pay back 2x, 3x, or even 4 times as much as you originally borrowed.

The Credit.com editorial team is committed to providing our readers and viewers with sound, well-reported and understandable information designed to inform and empower. We won’t tell you what to do. We will, however, do our best to explain the consequences of various actions, thereby arming you with the information you need to make decisions that are in your best interests. We also write about things relating to money and finance we think are interesting and want to share.
Tip: Before you do business with any debt settlement company, contact your state Attorney General and local consumer protection agency . They can tell you if any consumer complaints are on file about the firm you're considering doing business with. Some states require debt settlement companies to be licensed. You can check with your state regulator or ask your state Attorney General if the company is required to be licensed to work in your state and, if so, whether it is. You can also view the Federal Trade Commission's page on "Coping with Debt " for more information.
Debt management fees vary based on your state of residence and debt amount. GreenPath charges a one-time set up fee that ranges from $0 to $50. We also charge a monthly fee that ranges from $0 to $75. This is minimal considering the amount of money our clients typically save in waived late fees, waived over limit fees, and reduce credit card interest charges.
Chapter 13: Most debts are discharged. Some debts that are not dischargeable in a Chapter 7 case have to be paid in full in a Chapter 13 plan. To keep your secured debts like a car loan or mortgage, you have to continue making monthly payments. There are circumstances in which you can add your car into your plan payment. You can also use the plan payment to catch up past due house payments and prevent a foreclosure.
In order to put your problems with credit and student loan debt behind you, one option is to schedule an appointment with a certified consumer credit counselor. A credit counselor can assist in determining a solution for your credit and debt issues. Get financial reviews, counseling sessions and plans to help solve your financial situation. The NFCC’s certified consumer credit counselors are located in each of the 50 states in the country, as well as Puerto Rico. Each member agency is accredited by the Council on Accreditation.
Speaking with consumer credit counseling agencies is just the beginning. Next, you have to determine whether the services are actually what you need, or if you can accomplish more on your own. Remember, credit counseling doesn't do anything that you can't do; they simply provide guidance for the best approach to managing your debt. You can contact creditors and negotiate the payment terms of your account. Anybody can do this on their own, but sometimes people need a little extra help staying on track.
Yes and no. If you begin with the biggest debt, you won’t see traction for a long time. You might think you’re not making fast enough progress and then lose steam and quit before you even get close to finishing. It’s important to pay your debts in a way that keeps you motivated until you’ve wiped them out. Getting quick wins in the beginning will light a fire under you to pay off your remaining debts! Listen—knock out that smallest debt first, and you will find the motivation to go the distance. 
I’m in this program, can you tell me the dates they gave you that everything would be paid, was your accts pain in full an over with. I’m also needing to know did you get new contracts to sign about your first payment an balances, I’ve got one twice an I feel like if I sign it they’re saying I’m starting all over again, I see my balances going down I’m just confused with this. can you give me any advise, I contacted a lawyer an was told these companies are not legit, I’m just lost at this point not sure what to do lawyers advise was to file bankrupt, don’t want that…..Thanks
According to research, more than half of American consumers (57%) don’t have enough cash to cover an unexpected expense of $500 or more. Remedy: It’s impossible to predict unemployment, car accidents or busted plumbing, which is why every home needs an emergency fund. Experts say put 3-6 months of expenses aside for emergencies. It might take a while to get there if you’re focused on paying off debt, but again, it has to be part of your monthly budget. Set aside at least 5% of your income in an emergency fund, at least until you have three months of expenses covered.

Take steps to rebuild your credit and improve your credit score, which in turn, could give you access to more credit in the future. For starters, focus on implementing a plan for paying off debt, and work to keep your balances low on credit cards. Keep in mind that improving your credit score requires small, responsible actions over time, so be patient and set long-term objectives. For more tips on how to improve your FICO score, take a look here.
We offer loan facility to both individuals and companies who needs loan to finance their business ideals, to pay off their bills, expand their existing business, consolidate debts, to finance good projects e.t.c at interest rate of 3%. We also guide and render financial advice to our clients. Kindly contact us today for all your financial needs, so that we can discuss, sign agreement and then finance your project or business for you. E-mail: (barrymoreloans12@gmail.com) or you can text on this number +19725345446
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We value transparency in a debt settlement company, and National Debt Relief was one of the most forthcoming with information. When we spoke on the phone with a customer service rep, they explained the program in detail, spelling out the benefits and drawbacks and offering recommendations on alternatives. They were quick to respond to our follow-ups and provided some of their onboarding information for us to look over.
We offer loan facility to both individuals and companies who needs loan to finance their business ideals, to pay off their bills, expand their existing business, consolidate debts, to finance good projects e.t.c at interest rate of 3%. We also guide and render financial advice to our clients. Kindly contact us today for all your financial needs, so that we can discuss, sign agreement and then finance your project or business for you. E-mail: (barrymoreloans12@gmail.com) or you can text on this number +19725345446
In addition I had inform them that I was closing the checking account that they had been taking the payments from so they were not to charge that account going forward. That I wouod get back to them with the new information for my new checking account. I purposely had not given them the information because I was researching what my recourse was so when it came time for the payment I hadn’t given the information and on their website it’s it’s showing that I owe them money for fees and they wanted their money so what did they do they charged my old account which had nothing in it so I was hit with a NSF fees and every 3 days I get charged a fee for the negative balance but they got their payment and I’ve got payment it went to fees for the accounts that they lost the settlement because couldn’t make payments to my creditors Beach they had drained my account for all the fees
Bankruptcy. Declaring bankruptcy has serious consequences, including lowering your credit score, but credit counselors and other experts say that in some cases, it may make the most sense. Filing for bankruptcy under Chapter 13 allows people with a steady income to keep property, like a mortgaged house or a car, that they might otherwise lose through the Chapter 7 bankruptcy process. In Chapter 13, the court approves a repayment plan that allows you to pay off your debts over a three to five year period, without surrendering any property. After you have made all the payments under the plan, your debts are discharged. As part of the Chapter 13 process, you will have to pay a lawyer, and you must get credit counseling from a government-approved organization within six months before you file for any bankruptcy relief.
InCharge is the only national credit counseling service that offers online counseling: enter your income, assets and debts and you’ll receive a personalized debt relief solution – all without having to talk to a person. Other reasons to choose InCharge for consumer credit counseling services: A+ rating from the BBB and we are certified by the NFCC.
Find out how payments will be disbursed to your creditors. Fraudulent debt management companies are notorious for sending payments late and getting their clients into trouble with creditors. Make sure the agency will send your payments to creditors on time and within the correct billing cycle. Ask how soon they will disburse your payment after they receive it, and find out how you can track the payments made. They should send you a statement each month or have some way for you to look it up online.
Without a proven track record of success, we simply wouldn't be in business. In fact, National Debt Relief only enrolls clients who have a strong chance of benefiting from our debt settlement program. We predicate our reputation on our ability to help consumers move past their debts and begin rebuilding their financial lives - not on our ability to enroll as many clients as possible or charge unnecessary fees.
This is paramount to mapping out a plan to pay off your debt. There are two approaches that are worth considering.  The first is where you list your debts smallest to largest regardless of the interest rate. This is the method that we used to pay off $52,000 in debt in 18 months and it worked great because it helped us build momentum. When we paid off our first debt it put wind in our sails. Even though we had higher interest debts, this gave us something that was very powerful: the belief that we could get out of debt quickly if we stuck to the plan.
Afterward, a National Debt Relief specialist will contact you to discuss options and require that you provide proof of your debt balance, income, assets and basic necessity expenses. Any proof that you are struggling with financial hardship needs to be provided during the initial financial review to assess whether a debt settlement program is right for you.

Our debt counselors must complete intensive financial counseling and become certified by the NFCC. Besides being certified, many of InCharge’s credit counselors have over 10 years of experience as a financial counselor. They’ve helped people through every kind of financial downturn, from losing a loved one to catastrophic illness, to job loss. They can help you too.
Debt forgiveness is another potential strategy for anyone ready to admit "I need help with my debt." This involves paying your creditors a lump sum payment that is less than what you owe and ask them to wipe out your debt. While this is sometimes effective, it can also backfire and add even more debt to your totals. While ACCC does not get involved in debt forgiveness plans, we can help you understand the benefits or potential risks this approach may pose.
This is an easy way to make the debt repayment process less painful if you're able to do it: Reduce your interest rates. Changing the interest rate on your mortgage requires refinancing -- but it might be worth looking into. One rule of thumb suggests that it's worth it if the interest rate you're likely to get is a percentage point lower than the one you have.
Debt negotiation: If you choose this option, National Debt Relief will negotiate with your lenders in order to either lessen your debt or make it easier for you to make payments without incurring a lot of fees and interest. Since National Debt Relief has been around so long, they have a good track record with various lenders and have the relationships built for good negotiations.
The potential to be sued for debts due to non payment is what causes consumers to reach out to a debt settlement attorney to learn further about their options. In my experience consumers typically accuse National Debt Relief of not settling their debts in time to avoid the lawsuit or not informing them that they could be sued on the debts when it all could have been avoided in the first place had the consumer talked to a debt relief attorney from the beginning of their financial problems.
I’m about 70k in debt (which includes a car loan and student loans). I was very naive in thinking that earning a Bachelor’s degree would award me with a high paying job and I would be able to take care of this mountain of debt no problem. Of course, that’s not reality, and I make 25k a year. I’ve been working at this job for about a year and a half now, and I have FINALLY found a better paying job after a year of active searching. Although it’s not much, I’ll be moving up to 29k a year. While I pay off my 10k car loan at 250 a month, I’ve been completely avoiding my student loan debt, I don’t even look at it. Right now my loans are in deferment but I owe my first payment in August. I’m really starting to panick. I appreciated your article and found a lot of useful advice in it. I think my first step to paying off my loans will be to work as hard as possible at my new job so maybe after another year or so I can increase my salary more substantially…. Other than that I’m really at a loss for what to do. Any specific advice regarding such a high amount of student loans? (That honestly, I’m almost too embarassed to admit to in this post)
Cons: Specific to National Debt Relief, it is not available in all states, so if you are one of the 16 states it doesn’t operate in, you can’t use it. In generally, there are always risks to debt relief. If you choose debt settlement or bankruptcy, it can affect your credit score. Know the risks before you decide to go forward with any debt relief program.

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Debt consolidation loans can help you pay off bills as well. They are a type of personal loan in which you can consolidate all types of outstanding debts as well as other expenses, including credit cards, other higher priced borrowing, and medical bills. The individual will take out a new loan, at a lower interest rate, and use that money to pay off other accounts. This will reduce your monthly payment, and therefore will save you money. Debt consolidation loans are just one option available to help consumers get better control of their finances.
It’s hard at first, because most of us aren’t used to doing that. (Especially if we’re living on a low income.) But it’s absolutely doable, and gets easier with practice. And once you start paying stuff off, it becomes even easier because your money isn’t flying out the door to service debt. You have MORE money available, which makes things easier still. It’s the exact opposite of a vicious circle.
The great thing about Clearpoint is that their debt management program allowed me to consolidate the payments of 9 different credit cards into one single payment… They were the ones that contacted all the credit card companies and got the lowest APR possible. And they were very supportive too—there was never any judgment about what had happened or anything like that. They were just there to help, completely on board with me as a part of my team.
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