Saturday, July 3, 2010

credit counseling

Being in debt is very stressful. We tried to budget our money in our everyday expenses but we still behind in our monthly bills. It’s hard if only one person works in the family. We have two kids and I still need to help out my family in the Philippines. The money I got online is not enough to pay our bills. If we could do something to pay them off then we don’t need to worry about it every month. We tried to talk to someone who can help us with this matter but I think they couldn’t help us at this time. They said we need to declare bankruptcy but if we did, our credit score will be affected. We don’t want to make that happen. Right now, we are still hanging on, try to budget the money we have, pay those bills that are already due and try to save extra money too.

Good thing I found anewhorizon.org. They are the credit counseling services. If you are in debt like us, you might want to give them a call and see if they can help you analyze your true financial situation. They offer free debt consolidation quote. I know many people are in crisis nowadays because of the economy and its time for us to get Financial Freedom with the help of debt consolidation! This might be the solution of everyone’s problem especially when it comes to debt!

3 comments:

Dokemion said...

What can you do to avoid becoming a victim? First, find out if there are any fees charged to you by the counseling agency. Even if they’re non-profit, they may still charge you for their services up-front, such as a setup fee. A reputable company won’t charge you exorbitant amounts for fees, as that would defeat the purpose of seeking their assistance in the first place. Next, try to ascertain how your counselor is paid. If they make a salary, you’re in good shape. If they work for commissions or earn bonuses based on steering you towards more expensive debt consolidation programs, be wary. Good counselors will do what’s best for your pocket, not theirs.Just because the credit counselors work with creditors doesn’t mean creditors work with that particular company.


credit scores

Declaring Personal Bankruptcy said...

Credit counseling (known in the United Kingdom as debt counseling) is a process offering education to consumers about how to avoid incurring debts that cannot be repaid through establishing an effective Debt Management Plan and Budget.Credit counseling often involves negotiating with creditors to establish a debt management plan (DMP) for a consumer….Declaring Personal Bankruptcy

Anna Smith said...

debt counseling help us in true manner..it is an effective option to pay off debt and avoid filling for bankruptcy.
keep sharing with us.

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