Personalized Credit Analysis
Protect your future and allow our credit experts to help you enhance your financial security. Our credit counseling and debt management services will enable you to live the life you deserve. ConsumerCreditDebt.com - the leader in providing reliable debt solutions.
Get Online Debt Help
  • Credit card consolidation
  • Improve credit score
  • Fast and easy credit repair
  • Credit counseling
Credit Debt Help
Take advantage of our Credit Counseling and Debt Management Services!

How much debt do you have?


Current payment status?

Credit Debt Counseling

Stretched beyond their financial limits and struggling to pay their credit card balances, indebted consumers may find it difficult to see the end of the tunnel. Whether it is calls from collectors, over limit and late fees, denial of credit, or high interest rates, overburdened cardholders can regain control of their finances by seeking credit debt counseling.

Before their credit debt load attains mammoth proportions, borrowers should consider enrolling in some type of credit debt counseling program. The benefits that can be reaped from credit card counseling are as follows:
  • Learning better money-management skills
  • Assistance with establishing a manageable spending program
  • Developing solutions
  • Repaying creditors within a reasonable period of time
  • Reducing monthly payments and interest by negotiating with credit card companies
  • Obtaining a reduction in or an elimination of finance charges
  • Negotiating a re-aging of delinquent accounts
  • Consolidating payments
  • Building a solid payment history
  • Crafting solutions to achieve financial goals
A reputable credit counseling agency can also offer a lifeline to financially-distressed individuals and families by extending the following services:
  • Advice on debt and money management
  • Budget development
  • Free educational workshops and brochures
  • A one-on-one discussion of debtors' financial predicament
  • Negotiation with credit card companies to lower interest rate and eliminate late fees
  • Development of a personalized plan for resolution of monetary issues
Furthermore, many credit card debt counseling agencies offer their services in different foreign languages.  Cardholders should choose a credit counseling agency that is a member of the largest and most esteemed networks of credit counseling agencies, namely the Association of Independent Consumer Credit Counseling Agencies (AICCCA) and the National Foundation for Credit Counseling (NFCC).  They should also consult the United States Trustee Program's state-by-state and district-by-district listings of approved credit counseling agencies.

More and more American consumers are relying upon the following two resources, which are free, easy and expeditious:

1. Family credit counseling:
This non-profit Christian credit counseling organization reaches out to borrowers throughout the nation, helping them to achieve a debt-free existence through debt management.  Some of the key services provided by family credit counseling are the following:
  • Analyzing cardholders' spending habits and debt for purposes of assessing their present financial status
  • Teaching debtors how to rebuild credit and establish a positive credit score
  • Creating a debt-elimination plan to enable borrowers to attain their financial objectives
  • Guiding debtors on how to set up a budget
  • Putting an end to creditor calls
  • Negotiating lower payments and interest rates on behalf of their clients
  • Helping consumers understand their credit report
  • Supplying a multitude of calculators as an aid for debt analysis
  • Furnishing financial educational pamphlets
2. The Credit Counseling Foundation (TCCF)
Through this non-profit organization, cardholders nationwide who are wrestling with monthly payments may obtain confidential credit counseling and debt management services, as well as debt education.  The Credit Counseling Foundation helps borrowers avoid having to apply for a debt consolidation loan that does not address the root of the problem or to file for bankruptcy, a measure of last resort.  Its debt help program helps consumers save a substantial amount in finance fees.  The Credit Counseling Foundation assists borrowers in a number of ways, including the following:
  • Putting together a customized payment plan
  • Negotiating with creditors for lower interest rates
  • Instructing them on basic budgeting techniques and offering them personally-tailored budgeting tips
  • Setting financial objectives
  • Providing at no cost a credit counseling session on financial education
  • Stopping collector harassment
  • Teaching them how to reduce their debt
Additional credit debt information: