Credit Counseling

Confused by the promises for debt relief from advertisements blurting out from your radio, television, or some websites or what they are even talking about? Don't worry, that's what credit counseling is for. Nationally accredited debt counselors will walk you through what it means to be in debt, how your late fees and soaring APRs can impact you when you are trying to save money.

Credit Counselors generally sit down with you for a period of time to find out about your current financial situation and to grab a snapshot of your debt situation. Credit counselors can also enroll you in a debt management program should you meet the established requirements.

Enrolling in the debt management program effectively informs your creditors about your situation and closes all accounts that you submit for debt management. The counselor also enrolls your for an application for a personal loan that is used to pay off the debt.