Counseling « Consumer Credit Directory

February 20, 2012

Q&A: Has anyone ever used American Consumer Credit Counseling?

Filed under: Consumer Credit — Tags: American, anyone, consumer, Counseling, credit, ever, used — admin @ 5:42 am

Question by KS: Has anyone ever used American Consumer Credit Counseling?
I got the name of the company from a financial advisor, but I’m very wearing about using a debt consolidating company since I always here such horrible stories. I checked over their website and spoke with someone from the company on the call. They say they are nonprofit and gave me a gauge for pay off that sounded great, but I’m still nervous.I just desire to get opinions from others who may have tried it or have known populated who tried it before I go any further.

Best answer:

Answer by Meenamae
I used Freedom Point. They never did my wrong. Check with the BBB.

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February 17, 2012

Is there an honest rating of consumer credit counseling services out there?

Filed under: Consumer Credit — Tags: consumer, Counseling, credit, honest, rating, Services, there — admin @ 3:39 am

Question by Mini Midas: Is there a honest rating of consumer credit counseling services out there?

Best answer:

Answer by Steveo
Yes, and it’s from the FTC. If you mean credit repair services, then the FTC says that they are all scams. They make suggestions on where to find logical companies and such. Just beware. You can’t find too many sources that will be as good as this paper for a honest rating.

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February 4, 2012

Q&A: Have you used Consumer Credit Counseling Service or Christian Crossroads Debt Management program?

Filed under: Consumer Credit — Tags: Christian, consumer, Counseling, credit, Crossroads, debt, Management, program, service, used — admin @ 7:41 pm

Question by graygurl26: Have you used Consumer Credit Counseling Service or Christian Crossroads Debt Management program?
If so delight give me some feedback on your experience.

Best answer:

Answer by Mightymo
No I haven’t. I made myself a budget on the computer and stuck to it. Before I spend my money I paid myself $ 50 and put it in a savings been, then I paid one credit card the minimum and one Credit card $ 50 more then minimum and the next pay I did it the opposite, this way I got down from the carded faster. It took me 2 years but I did it, even though I considered declaring personal bancrupcy but decided that I couldn’t do it for embarrassment. I just stop spending and before I bought habilitated I honestly cosidered whether I really needed them and then I checked out second hand stores and now that I have money, I still buy my jeans at the second hand store. Great jeans for $ 5, already soft and worn in and most are name brands, the same for jackets and coats. I found things that were brandnew, a spring jacket or $ 3.50 never worn. You need to be imaginative and patient when you look for stuff and want to save money.Good luck, maybe someone else tin give you advise on the Credit Counselling Service.

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January 28, 2012

Which is the best consumer credit counseling agency?

Filed under: Consumer Credit — Tags: agency, best, consumer, Counseling, credit — admin @ 2:39 am

by Cornell University Library

Question by Kimberly G: Which is the best consumer credit counseling agency?
I know there are lots out there. I know to look for one that’s “nonprofit.” But I’m sure some are better than others! I just desire to choose the best one. I live in Oregon if that makes a difference.

Best answer:

Answer by Slimick
Consumer Credit Counseling Services (CCCS)You can call your local Red Cross for a referral.

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January 17, 2012

Should I get consumer credit counseling services?

Filed under: Consumer Credit — Tags: consumer, Counseling, credit, Services, should — admin @ 7:39 am

by UA Archives | Upper Arlington History

Question by Ron Paul 2012!: Should I get consumer credit counseling services?
I need about $ 1,200 worth of dental work but can’t afford it.I have cavities and crowns I need filledwould credit counseling services affect my credit score?

Best answer:

Answer by Talk Turkey
There is something called Care One Credit.Just call the dental office, and ask them if they have an application.Or.. just don’t smile, eat, or drink, until you can save and pay for it in cash.

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January 1, 2012

Q&A: Can bill collectors still call even if you are with consumer credit counseling?

Filed under: Consumer Credit — Tags: bill, call, collectors, consumer, Counseling, credit, even, still — admin @ 9:41 pm

by Cornell University Library

Question by : Can bill collectors notwithstanding call even if you are with consumer credit counseling?
I do advised the bill collector that we are on the program.

Best answer:

Answer by CatDad
Yes….if they have decided not to participate in CCCS program then it’s their right to continue with collection activities.

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December 3, 2011

Q&A: We owe 60 thousand dollars in debt who is the best debt company to go threw for Consumer Credit Counseling ?

Filed under: Consumer Credit — Tags: best, company, consumer, Counseling, credit, debt, dollars, thousand, threw — admin @ 2:40 pm

by Cornell University Library

Question by lkkindrick3: We owe 60 thousand dollars in debt who is the best debt company to go threw for Consumer Credit Counseling ?
Any information would be great. I heard both full and bad around CCCS. Again any info would be great??? I am not late as of yet or applied with anyone but will need to presently just barely hanging on.

Best answer:

Answer by Anjell
Start with your bank, if no help there ask them to recommend a reputable business for you to go “through”.

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December 2, 2011

November 28, 2011

Does using a consumer credit counseling service to repay your debt effect your credit in a negative way?

Filed under: Consumer Credit — Tags: consumer, Counseling, credit, debt, effect, negative, repay, service, using — admin @ 11:43 pm

Question by : Does using a consumer ascribing counseling service to repay your debt effect your credit in a negative way?

Best answer:

Answer by rmlowrie
Short answer: yes it does. Longer answer: It is better for you to work terms of repayment out yourself with your creditors. Believe it or not, most are more than willing to work with you – let’s face it, money is still money in their pockets. But to help you in the process of eliminating your debt, no matter how much you owe, I would recommend a book that has set many people free, and I know it did for me: The Credit Diet, by John Fuhrman. Believe me, you will not only find it liberating because he gives practical tips on how to get out and stay out of bad debt, he also shows you how you can do it safely, securely, and with great confidence. Also, you will find yourself out of debt much more quickly than going through debt consolidation. And beware of the credit cards that offer “debt consolidation”. Although they are not scams, they ensure that you will stay IN debt far longer than if you just bite the bullet, so to speak, and work the debt elimination strategy found in that book I just mentioned. Best of success, as I know you will make it if you put your mind and your money to it.

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November 8, 2011

Who knows of a good company that they personally have used for consumer credit counseling or debt consolidate?

Filed under: Consumer Credit — Tags: company, consolidate, consumer, Counseling, credit, debt, good, knows, personally, they, used — admin @ 10:41 pm

by Cornell University Library

Question by TexanRY: Who knows of a good company that they personally have used for consumer credit counseling or debt consolidate?
I would like personal experiences only, no sales pitches or heresay. Thanks!Ok…So I got an answer of Consumer counseling…where do you go to get this? tin someone give me a link?

Best answer:

Answer by rajesh t
i hope this will help u…..

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