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About Consumer Credit and Debt Counseling Services

There are many nonprofit financial counseling programs in existence today. In some cases, creditors may be more willing to accept reduced payments when a person is working with a reputable program to create a repayment plan. However, consumer credit and debt counseling services have their drawbacks; and there are many more attractive options for those who are struggling with debt.

To explore your options outside of consumer credit and debt counseling services, we encourage you to speak with a professional at our office. We create a realistic payment plan with you and take action to negotiate your debt with your creditors. To learn more, contact Debt Free Associates today!

The Truth about Consumer Credit and Debt Counseling Services

Many of these agencies have been found to be using the term "nonprofit organization," when in fact this is misleading. There is no guarantee that a nonprofit debt counseling service will be free of charges. An organization's services may not be free, affordable, or even legitimate. Some consumer credit counseling services charge hidden fees and urge consumers to make voluntary contributions; contributions that may only add to debt.

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Use caution when dealing with credit and debt counseling organizations that:

• Charge high up-front or monthly fees for enrollment
• Apply pressure for you to make "voluntary contributions"
• Try to enroll you in a debt management plan (DMP) without thoroughly reviewing your financial situation
• Offer to enroll you in a DMP without teaching you the appropriate budgeting and money management skills
• Demand that payments are made into a DMP before creditors accept you into the program

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Contact Debt Free Associates Today

At Debt Free Associates, we help our clients avoid the pitfalls of consumer credit and debt counseling services, bankruptcy, and debt consolidation programs. Our proven debt settlement system is carried out by developing a reasonable repayment plan and negotiating your debt directly with your creditors. To learn how you our services can help you, contact Debt Free Associates today for a consultation.

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