The only one who can fix your credit is you, and this process can only happen over time as you take steps to improve your credit on your own. First, contact your creditors when you realize you are unable to make your payments. If you need help preparing a budget and working out a payment plan, contact your local credit…
Tag: Counseling
Do You Have Negative Credit Information In Your Credit Report
If there is inaccurate or incomplete information in your credit report: Contact both the credit reporting agency and the company that provided the information to the Credit Reporting Agency (CRA). Tell the CRA in writing what information you believe is inaccurate. Under The Fair Credit Reporting Act, the information provider is required to investigate and report the results to the…
Finance Credit Counseling
Not only is credit counseling now a requirement when filing bankruptcy thanks to the new laws set forth in October of 2005, but it is also a good idea for those who find that they are swimming in a river of debt without the proverbial paddle. When you are in financial danger such as this credit counseling could be a…
Selecting A Good Credit Counseling Agency
Setting up non-profit credit counseling agencies is quite popular these days because the non-profit status helps these agencies in availing numerous benefits. One of the biggest benefits is the federal and state level tax exemptions granted to these non-profit credit counseling agencies. The two tax exemptions combined together can add up to thousands of dollars every year. In addition to…
Curing Anxiety Without Medication What The Professionals Don T Want You To Know
As a psychotherapist in private practice for over a decade, I certainly have seen it all: watching my clients suffer through anxiety and stress, watching them go from medication to medication looking for “the right pill”, and rarely finding it, spending inordinate amounts of money desperately trying to find the correct method to make their stress go away. Can Anxiety…
Watch Out For Bad Apples Who Offer Consumer Debt Counseling
Some people may wonder about the point of having a non-profit organization such as those that provide credit counsling. After all, everyone wants something, it is hard to believe that organization exist in order just to help people. If you are skeptical about the altruistic motives behind a company that is set up to help consumers with credit card debt…
Get Free Debt Consolidation Counseling
If you are in a difficult financial situation, you are probably seeing counseling on ways to pay back your debt. Nowadays, there is a wide variety of companies and organizations that can help you get out of credit card debt through consolidation. Services such as these are incredibly useful entities, as they can manage your entire debt portfolio, help you…
The Basics Of Marriage Counseling
Almost half of all marriages end in divorce. That is why there is an increase in couples seeking marriage counseling. Nobody wants to think that the marriage they are in will end. Marriage counseling offers a way for couples to work thorough problems with an outside influence. Marriage counseling can help couples to rebuild a marriage that was on the…
How To Choose A Credit Counseling Agency
Are you barely making ends meet? Dodging debt collection calls? Unable to meet your monthly expenses much less save money for emergencies or retirement? If this sounds familiar, you may want to consider credit counseling. Credit Counseling can improve many aspects of your life. It can help you get out of debt faster and improve your credit, just to name…
Debt Settlement Or Consumer Credit Counseling Which Path Should You Choose
If your credit card debt is keeping you up at night, there’s a strong possibility that you’re in the process of determining which path would best suit you so that you can be free of debt and start living again. As a matter of fact, you’ve probably scoured the Internet for hours at a time, yet still find yourself confused…