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Credit Counseling Programs

Looking for a solid alternative to bankruptcy and high fee loans? Credit counseling could be the answer you've been looking for. These types of programs are usually ran by not-for-profit organizations who can contact your creditors and negotiate lower interest rates and late fees on any unsecured debt accounts that you sign up to the program. Examples of unsecured debts are as follows, major credit cards, department store credit cards, personal loans, student loans, medical bills, repossessed automotive loans, back taxes, and many more. Some types of debts that can not be enrolled into a credit counseling program are home mortgage loans and automotive loans that have not be repossessed.

Once enrolled, you will usually send the credit counseling company one lump sum payment on a monthly basis which will then be distributed to all of the creditors you enroll onto the program when you join. These monthly payments are typically much lower than what you're currently paying due to significantly reduced interest rates and the elimination of late fees. You will also generally reduce your overall payoff times by up to half.

At the end of the program most companies will contact your creditors and request a letter from them stating that your account obligations have been repaid leaving you debt free.

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