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Debt Management

Debt Consolidation/Credit Counseling

If you have problems meeting payments to one or more creditors and are becoming overwhelmed by the situation, you’re a prime candidate for credit counseling. Some indications you may have too much debt can include using credit to buy things you used to pay cash for, constant concern over money, and depleted savings and checking accounts.

If you decide you need outside help, credit counseling agencies are there to help you restructure your payments and set up a schedule that is both realistic for you and acceptable to your creditors.  A credit counselor can arrange a debt management program that could possibly reduce your payments, stop extra fees, reduce interest rates, and group all your credit bills into one monthly payment. Credit counseling is often provided by non-profit agencies that charge a small fee for services. A credit counselor can hold off creditors while helping you come up with a long-term savings and budget plan.  For many, it is the first step to becoming debt free and getting on the path to financial health.  This program is most effective for individuals or families with unsecured debt, including over-extended credit cards, personal loans and medical bills.

The program does not assist with secured debt, such as mortgage loans and car payments. It takes approximately 36-60 months to repay debts through a credit-counseling program.