Search Results for: blog how to find a debt counselor

Protecting Yourself from a Debt Relief Company

If you are seriously in debt, you may need the help of a debt relief company. These companies promise to get the creditors off of your back, negotiate for you, act as a shield of protection, and guide you to the right way to pay off that debt. Unfortunately, for a majority of these companies, the real goal is to scam you out of any remaining assets that you might have. Here is what you need to know and need to look for in a debt relief company, in order to protect yourself. First of all, why would these companies … Continue reading →

Debt and Denial

Facing debt is usually not a fun thing to do. As a result of that, many of us are in denial about how much debt we have, how much we actually owe. As one friend told me while she was writing yet another check for her daughter’s expensive extracurricular activities, “I just don’t want to know how much I’m spending. I know I’m in debt and probably won’t get out of it, so why worry?” Well, there are very good reasons to worry. First of all, if your debt gets too large, you could lose everything, including your home. Second … Continue reading →

Get Out of Debt Support

Getting out of debt can be an exciting journey and a worthwhile goal. Just imagine how free you will feel when you owe nothing and can basically live however you want to live. You’ll be able to keep all of that money that you current spend on interest on your debt and apply it to where you want it to go. When you first start down the path of getting out of debt, you’ll want to make sure that you have some support systems in place. Not only will these support systems help you to stay motivated and to stay … Continue reading →

How to Find a Debt Counselor

If you need to dig yourself out of debt or a family budget that is stretched to the breaking point, you may want to consider having a little help to develop a plan and keep you on track. There is nothing embarrassing about using a debt counselor. If you are in debt, you are not alone. According to recent estimates, there are millions of Americans who are deep in debt. The important thing, of course is what they do about it. A debt counsellor will help you by taking a look at the big picture as well as the details. … Continue reading →

New Debt Relief Rules

There are many tools available to consumers to help them repay their unsecured debt. If your debt load has gotten overwhelming or unmanageable, you’ve probably been looking at ways to get help. I know how oppressive and insurmountable debt feels. Getting out of debt is a lot like losing weight. When you see the entire dollar amount you have to lose to be financially trim and healthy again, you want to throw in the towel and go shopping. Instead of viewing the entire debt load as a whole, break it up into manageable pieces with changes you can make every … Continue reading →

Seeking Financial Help

When you are desperately looking for ways to save money, it is often hard to see the forest through the trees. What’s more, wishing that trees grew money isn’t going to help your situation. If you are drowning in debt and are about to hit rock bottom, you may be overdue for some solid financial help. Believe it or not, assistance is not hard to find. In fact, most people don’t realize that there are almost as many ways to find debt relief as there are credit card offers that flood your mailbox. The trick is finding the option that … Continue reading →

DIY Mortgage Repair

Unless you have your head in the sand, you are aware of the foreclosure crisis. More families are losing their homes than ever before. If you are nervous about your mortgage situation, there are some “do it yourself” solutions to consider. Your mortgage is the most important loan you have. It enables you to keep a roof over your head. You should pay your mortgage first if you don’t have enough money to go around for all your bills. The problem that often leads to foreclosure is the inability to pay that large payment each month. The first step to … Continue reading →

Choosing a Credit Counseling Agency

This month I have been discussing credit counseling services. In Do you Need Credit Counseling?, I gave some possible benefits to credit counseling services. Then in Credit Repair Scams, I gave some possible pitfalls of credit counselors. Today I wanted to offer some help on how to find a good credit counseling agency if you have decided to take the leap for help. Unfortunately, the credit counseling industry is full of scams and poorly run companies. The rules that govern them can vary greatly from state to state, plus they are confusing and disorganized. Relying on the law to help … Continue reading →

Do you Need Credit Counseling?

Are you having trouble with debt? Do you have a hard time saying no to your credit card? If so, there are times it can be useful to have the assistance of others. Debt and credit counseling is a huge industry. Due to this, it has good and bad along with it. If you truly feel out of control or that you have no hope, then it is time to consider counseling. Many people are addicted to spending and credit cards are simply fuel for the fire. Credit counseling can help you negotiate with creditors as well as help you … Continue reading →

Credit Counseling

Do you think you need to go to a credit counselor? The first step before you decide is to run a budget or plan to help you get out of debt on your own. If you can’t see any easy solution, a credit counselor can help – just be sure to go to the right one! Unfortunately there are more than a 1000 different credit counseling services in the United States, and not all of them are actually helpful. These kinds of services are geared just toward unsecured debt, like credit lines and credit cards. If your main problem is … Continue reading →