Thursday, 16 May 2013

Help for debt

It can start with a job loss, a medical crisis, a natural disaster or even life in general. No one is immune. But once your debt starts to mount, don't rely on just anybody to get you out of trouble.
CredAbility makes it simple to pay down your debt.
Through our Debt Management Plans (DMP), you can pay off your credit cards, lower your interest rates, eliminate fees and put an end to collection calls - forever. Sound like a plan? Good, because our Certified Credit Counselors can help you get out of debt in four simple steps.

New Resources on CredAbilityU
Listen as our CredAbilityU experts discuss a variety of free resources that can assist you with your personal financial goals.
Play Your Way to Financial Freedom
Play Your Way To Financial Freedom teaches you how to use educational games to help your family change the way they think about money and credit cards. You will learn how to play the new Beat Debt board game and Paid Off card game (for in-person only; games sold separately).
read more at Help for debt
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Personal Debt Management

Many people who opt for a DMP to repay their unsecured debt are prompted to seek help after late payments have caused their credit card interest rates to soar. In some cases, a DMP is a sound alternative to bankruptcy. Ultimately, the plan serves the dual purpose of helping consumers repay their debts and helping creditors receive the money owed to them.

CredAbility says that the consumers on its Debt Management Plans in 2010 had higher incomes, more credit card debt and were older than in previous years.
“Many consumers are deciding to take control of their financial lives by working with their creditors to pay down their debt, even if it takes 36 months or longer,” said Vicki Williams, vice president of Debt Management Plan Services for CredAbility. “They realize that this is a more responsible way to reduce debt and rebuild their credit compared to debt settlement or debt consolidation services offered by for-profit companies.”
A Debt Management Plan (DMP) helps consumers who are struggling with credit card debt develop reduced payment programs with creditors. Many creditors offer favorable repayment terms to consumers who enroll in a DMP, including interest rates ranging from 6% to 10% on their credit card debt. These creditors may also eliminate late fees and penalties once a consumer enrolls in a DMP with a nonprofit credit counseling organization.
Conquering Credit Challenges
Each of us has a responsibility to manage spending. You will learn how to get the right reports from credit bureaus, interpret your credit report, understand the costs of using credit and work with your creditors.
Fair Credit Reporting
In this article, you will find out how to get free copies of your credit report, while ensuring its accuracy, privacy and your rights under federal law.

read more at Personal Debt Management
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Reputable Credit Counseling

Many creditors offer favorable repayment terms to consumers who enroll in a DMP, including interest rates ranging from 6% to 10% on their credit card debt. These creditors may also eliminate late fees and penalties once a consumer enrolls in a DMP with a nonprofit credit counseling organization.
At CredAbility, certified counselors help consumers determine whether they can tackle their financial challenges through budgeting and reduced spending, or if the structure of a debt management plan will be more effective.
What is a Debt Management Plan?
For a small monthly fee, consumers make a single payment to an agency like CredAbility, which acts as a trustee in distributing the funds to creditors. CredAbility works with both clients and creditors to design a debt repayment program that minimizes monthly payments, interest and related fees, providing a manageable tailored plan for the client. This enables the client to repay their entire debt obligation at more favorable terms, and on a plan that is within their ability to pay.
Fully Covered
Understand the basic types of insurance and why it is important to have the right insurance coverage for your family.
Identity Theft
Listen as our CredAbilityU experts discuss financial tips on ways to avoid a very expensive and troubling worldwide crime called Identity theft.

read more at Reputable Credit Counseling
Posted by at No comments:

What is Debt Management

The total process will only take a few minutes. If you have any questions, a Certified Credit Counselor is available to assist you as you go through the process.
Know the Score: Understanding and Improving Your Credit Score
We will explore the importance of a credit score and how it can affect your financial life. You will learn the five critical factors that determine your number, how to deal with errors and tips that may help you increase your score.
Making a Five Year Plan
Listen as our CredAbilityU experts discuss financial tips on making a five year plan and more importantly how and why you should do it.
New Resources on CredAbilityU
Listen as our CredAbilityU experts discuss a variety of free resources that can assist you with your personal financial goals.

read more at What is Debt Management
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Debt Management Plan

Getting into debt can happen to anybody. It can start with a job loss, a medical crisis, a natural disaster or even life in general. No one is immune. But once your debt starts to mount, don't rely on just anybody to get you out of trouble.

Become debt-free sooner than you think.

Through our Debt Management Plans (DMP), you can pay off your credit cards, lower your interest rates, eliminate fees and put an end to collection calls - forever. Sound like a plan? Good, because our Certified Credit Counselors can help you get out of debt in four simple steps.

Importance of Saving
Listen as our CredAbilityU experts discuss the importance of saving and tips to keep you on track
Know the Score: Understanding and Improving Your Credit Score
We will explore the importance of a credit score and how it can affect your financial life. You will learn the five critical factors that determine your number, how to deal with errors and tips that may help you increase your score.

read more at Debt Management Plan
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Free Debt Management Plan

It's free. It's confidential. And all it takes is a couple of minutes. To get out of debt sooner than you think.
CredAbility has helped thousands of people get out of debt. Why should you be any different?
For those clients living in the following states or territories: Indiana, Minnesota, North Dakota, Puerto Rico, or the Virgin Islands, we are able to provide Budget and Credit counseling – as well as our other counseling services, but are not able to offer a Debt Management Plan. We can, however, provide you with information on who in your state could provide a DMP. If you would like referral information for your state, please click here.
How Does A Debt Management Plan Work?
The following video was produced under our former name of Consumer Credit Counseling Service.


read more at: Free Debt Management Plan
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Bankruptcy Course

I can help you learn what you need.

Our debtor education course will prepare you for a new beginning.

Pre-Discharge Bankruptcy Education
Required by law, before your bankruptcy case can be discharged- which means debts included in the bankruptcy are no longer considered collectible- you must complete Pre-Discharge bankruptcy education. This course lasts two hours. Topics covered include:
  • Setting realistic financial goals
  • Understanding your credit report
  • Obtaining or re-establishing credit
  • Managing budgets
  • And more
Again, this course is required and only available to individuals who have already filed for personal bankruptcy. To enroll in this class you must provide your case number.
The Pre-Discharge bankruptcy education class is available online.
Play Your Way to Financial Freedom
Play Your Way To Financial Freedom teaches you how to use educational games to help your family change the way they think about money and credit cards. You will learn how to play the new Beat Debt board game and Paid Off card game (for in-person only; games sold separately).
Strategies for Improving Your Credit Score During or After Bankruptcy
The purpose of this course is to guide clients who have filed for bankruptcy and provide more information on how bankruptcy affects the following aspects of their life.

read more at Bankruptcy Course
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Best Debt Management Plan

Together, we can build a clear plan to best fit your needs.

It can happen at anytime and it can happen to any of us: A job loss. A medical crisis. A natural disaster. Life in general. Any number of unexpected events could potentially lead to mounting debt-and even the most prepared individual is not immune.
Through our Debt Management Plans, (DMP), you could minimize interest rates and payments to creditors, pay down your debt, eliminate fees and put an end to collection calls.
Getting started on your DMP is easy and can be completed in 4 easy steps.
Step 1 –Provide the basic personal information necessary for DMP enrollment
Step 2 –Review your creditors and the benefits of your DMP
Step 3 –Review your current financial situation
Step 4 –Finally, we will take a look at your monthly cash flow
The total process will only take a few minutes. If you have any questions, a Certified Credit Counselor is available to assist you as you go through the process.
Strategies For Managing Your Credit Report and Credit Score After or During Bankruptcy
If you've filed for bankruptcy, discover the effect it can have on your credit report, credit score and request for new credit. We will also explain how to manage your credit, and what to expect as a result of having filed for bankruptcy.

Understanding Your Credit Score
This article will give you a clear explanation of a credit score and how managing your finances will determine your costs to borrow money, plus valuable resources to help you learn more.

read more at Best Debt Management Plan
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Nonprofit Credit Counseling Service

National Nonprofit Credit Counseling Organization Expands Offices in Southeast
Compass/CCCS has three offices in Greenville, Spartanburg and Greenwood.  Its CCCS program was started in 1971 and provides budget, credit, and pre-filing bankruptcy counseling, debtor education and debt management plans.
“This is exciting news for both organizations.” said Suzanne Boas, president of CredAbility. “We provide many of the same services and share the same values. Combining the Compass/CCCS program with CredAbility will enable us to serve additional clients in the southeast.”
“We are pleased that our CCCS program will join a national nonprofit credit counseling agency that can provide our clients with additional services,” said Thomas Bannister, president of Compass of Carolina. “The addition of CredAbility’s housing counseling services, its 24/7 convenience and its bilingual staff will benefit many residents of upstate South Carolina.”
Understanding Your Net Worth
Determining your net worth is as important as knowing how much you owe. This article will help you understand the value of your assets and your liabilities in dealing with financial challenges.
What is Bankruptcy?
If you are having problems paying bills or being threatened by creditors with lawsuits, wage garnishment or property seizure, this article will help you understand the basics of bankruptcy.

read more at Nonprofit Credit Counseling Service
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Non Profit Debt Management Program

National Nonprofit Credit Counseling Organization Says Consumers Paid Down $122 Million in Debt in 2010, Most Ever in 47 Years
ATLANTA, GA – Consumers are using Debt Management Plans more than ever to get back on their feet financially. CredAbility reports that in 2010, 27,818 consumers participated in its Debt Management Plans (DMP) and paid back more than $122 million to their creditors. The $122 million is a record for the 47-year-old nonprofit credit counseling organization, and a three percent increase from the $118 million paid back in 2009.
“Many consumers are deciding to take control of their financial lives by working with their creditors to pay down their debt, even if it takes 36 months or longer,” said Vicki Williams, vice president of Debt Management Plan Services for CredAbility. “They realize that this is a more responsible way to reduce debt and rebuild their credit compared to debt settlement or debt consolidation services offered by for-profit companies.”
Where Do I Want to Be in 5 Years?
The purpose of this webinar is to help you identify and commit to goals that inspire you to make the right choices. You will learn to start with your ending goal in mind, write down your goals and adjust your goals as necessary.
Where Do I Want to Be in 5 Years?
This webinar will help you identify and commit to goals that inspire you to make the right choices. You'll also learn to adjust goals as necessary.

read more at Non Profit Debt Management Program
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Non Profit Debt Management Companies

Consumers on CredAbility’s Debt Management Plans Repay Record Amount in 2010

National Nonprofit Credit Counseling Organization Says Consumers Paid Down $122 Million in Debt in 2010, Most Ever in 47 Years
ATLANTA, GA – Consumers are using Debt Management Plans more than ever to get back on their feet financially. CredAbility reports that in 2010, 27,818 consumers participated in its Debt Management Plans (DMP) and paid back more than $122 million to their creditors. The $122 million is a record for the 47-year-old nonprofit credit counseling organization, and a three percent increase from the $118 million paid back in 2009.
“Many consumers are deciding to take control of their financial lives by working with their creditors to pay down their debt, even if it takes 36 months or longer,” said Vicki Williams, vice president of Debt Management Plan Services for CredAbility. “They realize that this is a more responsible way to reduce debt and rebuild their credit compared to debt settlement or debt consolidation services offered by for-profit companies.”
Bankruptcy 101: What Every Consumer Should Know
Learn what it is, how to spot the early warning signs and the differences between Chapter 7 and Chapter 13. Plus, find out how filing can affect your financial life and how to avoid bankruptcy.
Buying Insurance
Listen as our CredAbilityU experts discuss financial tips on how to unravel the mystery of buying insurance.

read more at : Non Profit Debt Management Companies
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Debt Management Nonprofit

CredAbility says that the consumers on its Debt Management Plans in 2010 had higher incomes, more credit card debt and were older than in previous years.
In 2010, the average income of a person on a DMP with CredAbility was $53,880, a four percent increase compared to 2009. Each person on a DMP in 2010 had an average of $24,266 in credit card debt, a 4.5 percent increase compared to 2009. The average age of a person on DMP in 2010 was 48, up from 45 years old in 2009.
“While people enrolling in our DMPs earn good incomes, they have an increasing amount of credit card debt,” Williams said. “We can help them negotiate lower interest rates with their creditors that may result in lower monthly payments.”
Many people who opt for a DMP to repay their unsecured debt are prompted to seek help after late payments have caused their credit card interest rates to soar. In some cases, a DMP is a sound alternative to bankruptcy. Ultimately, the plan serves the dual purpose of helping consumers repay their debts and helping creditors receive the money owed to them.
Choosing An Attorney
With the right questions, information and realistic expectations, you learn about everything to consider—from legal fees and costs to consultations—so you can make an informed decision.
Common Options for Dealing with a Financial Crisis
During this critical time, it is important to remember that bankruptcy is not your only option. From enrolling in a DMP and negotiating to using assets for consolidation, you will examine several alternatives.

read more at: Debt Management Nonprofit
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Credit Card Debt Counseling


 You have the ability to regain control of your finances and pay down your credit card debt and more... 

You have the ability to get your finances back on track–defeat credit card debt and more with free budget planning counseling and education from CredAbility

In spite of the overwhelming financial distress you may feel, we are here for you, and we can help, with sound budget planning guidance that can help you defeat credit card debt and any other financial challenge you may be facing.
Conquering Credit Challenges
Each of us has a responsibility to manage spending. You will learn how to get the right reports from credit bureaus, interpret your credit report, understand the costs of using credit and work with your creditors.
Fair Credit Reporting
In this article, you will find out how to get free copies of your credit report, while ensuring its accuracy, privacy and your rights under federal law.

read more at Credit Card Debt Counseling
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Credit Counseling Online

Our mission is to empower people with knowledge and solutions that provide hope and inspire lasting change. 

Whether you’re trying to tighten-up your budget or struggling to pay credit card debt, medical expenses or any other kind of financial obligation, take advantage of the free, completely confidential budget planning services we offer. You have the ability to regain control of your finances and pay down your credit card debt and more... get started today!


In a budget planning session, we’ll work with you to determine the most effective way to approach your particular situation, and, aftewards, we'll send you a personalized plan that can help you begin to stabilize your finances and meet future goals.


Fair Debt Collection
If you are behind on paying credit cards, personal loans or a home mortgage, this article will explain the laws governing debt collection, so you will know how to be treated fairly, honestly and legally.

Fighting Back Scams Part I
Taken from our Fighting Back Senior Scams class, Avoiding Scams Part I will address how to recognize consumer fraud schemes, detect and prevent identity theft, and identify mortgage-related abuses.

read more at Credit Counseling Online
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Foreclosure Prevention

In a counseling session, we’ll help you understand the foreclosure process and review alternatives that may be available to you such as mortgage modification, which often requires working with lenders to refinance debt over a longer time period, thereby reducing the monthly payment. Other options might include temporarily suspended payments or special repayment plans.
Every situation is unique, but we can help you better understand the foreclosure process and the paths that may be open to you. We can also connect you with your lender to help maintain the communications link so important before and during the foreclosure process. Afterwards, you’ll receive an action plan to help you get back on track.


Fully Covered
Understand the basic types of insurance and why it is important to have the right insurance coverage for your family.


Identity Theft
Listen as our CredAbilityU experts discuss financial tips on ways to avoid a very expensive and troubling worldwide crime called Identity theft.read more at: Foreclosure Prevention
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Debt Management Plan Calculator


  1. The total process will only take a few minutes. If you have any questions, a Certified Credit Counselor is available to assist you as you go through the process.
    Know the Score: Understanding and Improving Your Credit Score
    We will explore the importance of a credit score and how it can affect your financial life. You will learn the five critical factors that determine your number, how to deal with errors and tips that may help you increase your score.
    Making a Five Year Plan
    Listen as our CredAbilityU experts discuss financial tips on making a five year plan and more importantly how and why you should do it.
    New Resources on CredAbilityU
    Listen as our CredAbilityU experts discuss a variety of free resources that can assist you with your personal financial goals.

    read more at What is Debt Management
    Posted by


  2. Many creditors offer favorable repayment terms to consumers who enroll in a DMP, including interest rates ranging from 6% to 10% on their credit card debt. These creditors may also eliminate late fees and penalties once a consumer enrolls in a DMP with a nonprofit credit counseling organization.
    At CredAbility, certified counselors help consumers determine whether they can tackle their financial challenges through budgeting and reduced spending, or if the structure of a debt management plan will be more effective.
    What is a Debt Management Plan?
    For a small monthly fee, consumers make a single payment to an agency like CredAbility, which acts as a trustee in distributing the funds to creditors. CredAbility works with both clients and creditors to design a debt repayment program that minimizes monthly payments, interest and related fees, providing a manageable tailored plan for the client. This enables the client to repay their entire debt obligation at more favorable terms, and on a plan that is within their ability to pay.
    Fully Covered
    Understand the basic types of insurance and why it is important to have the right insurance coverage for your family.
    Identity Theft
    Listen as our CredAbilityU experts discuss financial tips on ways to avoid a very expensive and troubling worldwide crime called Identity theft.

    read more at Reputable Credit Counseling
    Posted by


  3. Many people who opt for a DMP to repay their unsecured debt are prompted to seek help after late payments have caused their credit card interest rates to soar. In some cases, a DMP is a sound alternative to bankruptcy. Ultimately, the plan serves the dual purpose of helping consumers repay their debts and helping creditors receive the money owed to them.

    CredAbility says that the consumers on its Debt Management Plans in 2010 had higher incomes, more credit card debt and were older than in previous years.
    “Many consumers are deciding to take control of their financial lives by working with their creditors to pay down their debt, even if it takes 36 months or longer,” said Vicki Williams, vice president of Debt Management Plan Services for CredAbility. “They realize that this is a more responsible way to reduce debt and rebuild their credit compared to debt settlement or debt consolidation services offered by for-profit companies.”
    A Debt Management Plan (DMP) helps consumers who are struggling with credit card debt develop reduced payment programs with creditors. Many creditors offer favorable repayment terms to consumers who enroll in a DMP, including interest rates ranging from 6% to 10% on their credit card debt. These creditors may also eliminate late fees and penalties once a consumer enrolls in a DMP with a nonprofit credit counseling organization.
    Conquering Credit Challenges
    Each of us has a responsibility to manage spending. You will learn how to get the right reports from credit bureaus, interpret your credit report, understand the costs of using credit and work with your creditors.
    Fair Credit Reporting
    In this article, you will find out how to get free copies of your credit report, while ensuring its accuracy, privacy and your rights under federal law.

    read more at Personal Debt Management
    Posted by


  4. National Nonprofit Credit Counseling Organization Expands Offices in Southeast

    The three South Carolina offices are in cities that serve approximately 700,000 persons who will now gain access to an organization with more than 300 credit, housing and bankruptcy counselors accessible 24/7 by telephone and Internet, in English and Spanish.
    While CredAbility already provides counseling to consumers in all 50 states, this acquisition enables CredAbility to expand its face-to-face counseling offices to a fifth state in the southeast. CredAbility already has 28 offices in Georgia, Florida, Tennessee and Mississippi.
    Fair Credit Reporting
    In this article, you will find out how to get free copies of your credit report, while ensuring its accuracy, privacy and your rights under federal law.
    Fair Debt Collection
    If you are behind on paying credit cards, personal loans or a home mortgage, this article will explain the laws governing debt collection, so you will know how to be treated fairly, honestly and legally.

    read more at Pay Credit Card Debt
    Posted by


  5. If you would prefer to complete your DMP session by phone, please call 800.251.2227 to schedule an appointment with a Budget & Credit counselor today.
    Getting started on your DMP is easy and can be completed in 4 easy steps.
    Step 1 –Provide the basic personal information necessary for DMP enrollment
    Step 2 –Review your creditors and the benefits of your DMP
    Step 3 –Review your current financial situation
    Step 4 –Finally, we will take a look at your monthly cash flow
    The total process will only take a few minutes. If you have any questions, a Certified Credit Counselor is available to assist you as you go through the process.
    Just a reminder, completing the counseling session is free, is not a binding contract, and all information remains confidential.
    Remember, we are here to help. Our counselors are available nationwide, 24/7-by telephone and online-in both English and Spanish. We’ve helped thousands of people, just like you, get through periods of financial crisis.
    Understanding Your Credit Score
    This article will give you a clear explanation of a credit score and how managing your finances will determine your costs to borrow money, plus valuable resources to help you learn more.
    read more at Non Profit Credit Card Counseling
    Posted by


  6. Required by law, before your bankruptcy case can be discharged- which means debts included in the bankruptcy are no longer considered collectible- you must complete Pre-Discharge bankruptcy education. This course lasts two hours. Topics covered include:
    • Setting realistic financial goals
    • Understanding your credit report
    • Obtaining or re-establishing credit
    • Managing budgets
    • And more
    Again, this course is required and only available to individuals who have already filed for personal bankruptcy. To enroll in this class you must provide your case number.
    The Pre-Discharge bankruptcy education class is available online.
    • Online classes are accessible on this site 24/7. To get started click on “Start an online session” above.

    Understanding Your Net Worth
    Determining your net worth is as important as knowing how much you owe. This article will help you understand the value of your assets and your liabilities in dealing with financial challenges.
    What is Bankruptcy?
    If you are having problems paying bills or being threatened by creditors with lawsuits, wage garnishment or property seizure, this article will help you understand the basics of bankruptcy.

    read more at Military Debt Management Agency
    Posted by


  7. Our debtor education course will prepare you for a new beginning.

    Pre-Discharge Bankruptcy Education
    Required by law, before your bankruptcy case can be discharged- which means debts included in the bankruptcy are no longer considered collectible- you must complete Pre-Discharge bankruptcy education. This course lasts two hours. Topics covered include:
    • Setting realistic financial goals
    • Understanding your credit report
    • Obtaining or re-establishing credit
    • Managing budgets
    • And more
     
    Strategies For Managing Your Credit Report and Credit Score After or During Bankruptcy
    If you've filed for bankruptcy, discover the effect it can have on your credit report, credit score and request for new credit. We will also explain how to manage your credit, and what to expect as a result of having filed for bankruptcy.
    Understanding Your Credit Score
    This article will give you a clear explanation of a credit score and how managing your finances will determine your costs to borrow money, plus valuable resources to help you learn more.
    read more at How to File Bankruptcy
    Posted by


  8. It can start with a job loss, a medical crisis, a natural disaster or even life in general. No one is immune. But once your debt starts to mount, don't rely on just anybody to get you out of trouble.
    CredAbility makes it simple to pay down your debt.
    Through our Debt Management Plans (DMP), you can pay off your credit cards, lower your interest rates, eliminate fees and put an end to collection calls - forever. Sound like a plan? Good, because our Certified Credit Counselors can help you get out of debt in four simple steps.

    New Resources on CredAbilityU
    Listen as our CredAbilityU experts discuss a variety of free resources that can assist you with your personal financial goals.
    Play Your Way to Financial Freedom
    Play Your Way To Financial Freedom teaches you how to use educational games to help your family change the way they think about money and credit cards. You will learn how to play the new Beat Debt board game and Paid Off card game (for in-person only; games sold separately).
    read more at Help for debt
    Posted by


  9. Get started with your counseling.

    We strongly urge you to visit with an attorney to discuss the benefits, costs and consequences of filing for personal bankruptcy. And if you are not sure what you need, contact us—we will help you on the right path.
    This counseling and the subsequent certificate can be received by telephone and online — in both English and Spanish. CredAbility’s counselors are available nationwide, 24/7.
    To begin pre-filing bankruptcy counseling, call 800.251.2227 to schedule a telephone or in person appointment or click on the green "Start an online session" button above.
    How to Prepare for your Counseling Session
    We strongly recommend that you watch this video to understand what documents you will need to have available, and how to get the most value from your counseling session.
    Identity Theft
    Learn the necessary steps to protect your information and avoid the common mistakes that allow someone to take your identity. This course will help you understand what you must do if you are a victim of identity theft.
    Importance of Saving
    Listen as our CredAbilityU experts discuss the importance of saving and tips to keep you on track

    read more at Free Prebankruptcy Credit Counseling
    Posted by


  10. And we're here to help you take your next steps with confidence and hope.
    Let's turn this thing around
    Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.
    After your session, our support continues with free debt advice and online assistance in everything from how to pay down debt to strategies for successful credit management and how to read a credit report. As always, our reprentatives are here 24/7 to help you build a brighter financial future.
    Choosing An Attorney
    With the right questions, information and realistic expectations, you learn about everything to consider—from legal fees and costs to consultations—so you can make an informed decision.
    Common Options for Dealing with a Financial Crisis
    During this critical time, it is important to remember that bankruptcy is not your only option. From enrolling in a DMP and negotiating to using assets for consolidation, you will examine several alternatives.

    read more at Free Debt Management Companies
    Posted by

  11. Bankruptcy 101: What Every Consumer Should Know
    Learn what it is, how to spot the early warning signs and the differences between Chapter 7 and Chapter 13. Plus, find out how filing can affect your financial life and how to avoid bankruptcy.


    Buying Insurance
    Listen as our CredAbilityU experts discuss financial tips on how to unravel the mystery of buying insurance.


    To enroll in this class you must provide your case number.
    The Pre-Discharge bankruptcy education class is available online.
    • Online classes are accessible on this site 24/7. To get started click on “Start an online session” above.
    How to Prepare for your Counseling Session
    We strongly recommend that you watch this video to understand what documents you will need to have available, and how to get the most value from your counseling session.


    read more at Filing for Personal Bankruptcy
    Posted by


  12. This counseling and the subsequent certificate can be received by telephone and online — in both English and Spanish. CredAbility’s counselors are available nationwide, 24/7.
    To begin pre-filing bankruptcy counseling, call 800.251.2227 to schedule a telephone or in person appointment or click on the green "Start an online session" button above.
    How to Prepare for your Counseling Session
    We strongly recommend that you watch this video to understand what documents you will need to have available, and how to get the most value from your counseling session.


    Know the Score: Understanding and Improving Your Credit Score
    We will explore the importance of a credit score and how it can affect your financial life. You will learn the five critical factors that determine your number, how to deal with errors and tips that may help you increase your score.

    read more at Debt Settlement Loan
    Posted by


  13. Know the Score: Understanding and Improving Your Credit Score
    We will explore the importance of a credit score and how it can affect your financial life. You will learn the five critical factors that determine your number, how to deal with errors and tips that may help you increase your score.
    How Do I Get Out Of Debt?
    This course will teach you that paying off debts give you the freedom and flexibility to do what you want. You will learn how to prevent spending your future, how to pay-off charges quickly, and learn the steps to build a workable plan to pay-off your debts.

    Important Information about Your Debt Management Plan (DMP)
    Before you fill out your DMP forms, we will review the responsibilities critical to your plan’s success, step-by-step and the consequences if you choose to withdraw from it.
    read more at Debt Management Plans Pros and Cons
    Posted by


  14. After your session, our support continues with free debt advice and online assistance in everything from how to pay down debt to strategies for successful credit management and how to read a credit report. As always, our reprentatives are here 24/7 to help you build a brighter financial future.
    We understand that, because we've helped thousands of people just like you. And we're here to help you take your next steps with confidence and hope.
    Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.
    What to Do if You Are Behind in Your Debt
    Listen as our CredAbilityU experts discuss what to do if you are receiving harassing phone calls
    What to Do if You Lose Your Job
    Listen as our CredAbilityU experts discuss strategies and tools to address a job loss.

    read more at Debt Management Plan Pros and Cons
    Posted by


  15. Every situation is unique, but we can help you better understand the foreclosure process and the paths that may be open to you. We can also connect you with your lender to help maintain the communications link so important before and during the foreclosure process. Afterwards, you’ll receive an action plan to help you get back on track.
    If you’re facing foreclosure, you’re not alone. Let CredAbility help you determine potential alternatives to the foreclosure process such a mortgage modification or other options.
    Begin a foreclosure prevention counseling session today, or call us at 800.251.2227 to schedule an appointment.
    Where Do I Want to Be in 5 Years?
    The purpose of this webinar is to help you identify and commit to goals that inspire you to make the right choices. You will learn to start with your ending goal in mind, write down your goals and adjust your goals as necessary.

    read more at Debt Management Online
    Posted by


  16. Every situation is unique, but we can help you better understand the foreclosure process and the paths that may be open to you. We can also connect you with your lender to help maintain the communications link so important before and during the foreclosure process. Afterwards, you’ll receive an action plan to help you get back on track.
    If you’re facing foreclosure, you’re not alone. Let CredAbility help you determine potential alternatives to the foreclosure process such a mortgage modification or other options.
    Begin a foreclosure prevention counseling session today, or call us at 800.251.2227 to schedule an appointment.
    Understanding Your Credit Score
    This article will give you a clear explanation of a credit score and how managing your finances will determine your costs to borrow money, plus valuable resources to help you learn more.

    Understanding Your Net Worth
    Determining your net worth is as important as knowing how much you owe. This article will help you understand the value of your assets and your liabilities in dealing with financial challenges.

    read more at Debt Management Online
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  17. Surviving the Holidays without going broke!
    This webinar will instruct you on how to avoid overwhelming debt during the Holiday season. You will be able to download an activity workbook which contains a blank Holiday Spending Plan and learn about additional resources that will help you gain confidence in your personal finances.
    Taking Control of your Credit Cards
    This course focuses on how to examine your credit cards, how credit cards work and how to use them properly.
    Your counseling session is completely confidential. We do not report the information to your creditors or your credit report.
    Free Budget Planning Session, No Obligation
    During a counseling session, you and your counselor will go over your current budget, including any money owed such as debt from credit cards, medical bills, student loans, car loans and all others. Afterwards, you will receive a written summary including an action plan to move forward. You are under no obligation to take any of the debt advice or recommended credit management steps.

    read more at Debt Management Credit Counselor
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  18. Our mission is to empower people with knowledge and solutions that provide hope and inspire lasting change. Many who come to us for advice are facing overwhelming credit card debt and other obligations such as student loans, car loans, payday loans and more. We take a holistic approach, taking into account all of your expenses, and making sure the budget planning advice you receive from us is personalized to your individual needs.
    CredAbility has provided nonprofit credit counseling services to millions of consumers since 1964. Our counselors are certified by the National Foundation for Credit Counseling (NFCC,) which means they meet exacting ethical, educational and counseling standards. CredAbility is also a Department of Housing and Urban development-approved counseling provider. 
    During a budget planning session, you and your counselor will go over your current income and expenses including credit card debt, medical debt, student loans, car loans and any other that may be owed. Afterwards, you will receive a written summary including a recommended action plan. You are under no obligation to take any of the recommended steps. Your budget planning session is completely confidential. We do not report the information to your creditors or your credit report.
    Starting Your Debt Management Plan on The Right Step
    Starting Your Debt Management Plan on the Right Foot provides the information you need to start your DMP correctly.  You will learn simple things that can help you gain control over your financial situation and eliminate your credit card debt.
    Surviving The Holidays Without Going Broke
    Learn how to avoid the dangers of holiday shopping while establishing a spending plan, and identifying tips to save on holiday spending and stretch your holiday dollars.

    read more at Debt Management Credit Counseling Corp
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  19. Getting into debt can happen to anybody. It can start with a job loss, a medical crisis, a natural disaster or even life in general. No one is immune.
    Through our Debt Management Plans (DMP), you can pay off your credit cards, lower your interest rates, eliminate fees and put an end to collection calls - forever. Sound like a plan? Good, because our Certified Credit Counselors can help you get out of debt in four simple steps.
    It's free. It's confidential. And all it takes is a couple of minutes. To get out of debt sooner than you think.

    Recruit Your Family
    During this course you will hear the story of how o¬ne woman was able to inspire her family to get out of debt. Our hope for you in hearing this story is that you too will be inspired to implement some of the same strategies Anne implemented in getting her family out of debt much faster than they ever expected.
    Reverse Mortgage
    This class will show you the benefits and drawbacks of obtaining a reverse mortgage.

    read more at Debt Management Agency
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  20. At CredAbility, certified counselors help consumers determine whether they can tackle their financial challenges through budgeting and reduced spending, or if the structure of a debt management plan will be more effective.

    For a small monthly fee, consumers make a single payment to an agency like CredAbility, which acts as a trustee in distributing the funds to creditors. CredAbility works with both clients and creditors to design a debt repayment program that minimizes monthly payments, interest and related fees, providing a manageable tailored plan for the client. This enables the client to repay their entire debt obligation at more favorable terms, and on a plan that is within their ability to pay.
    The repayment period varies based on amount owed and the repayment terms. The average debt management plan is structured to repay debt in 36-60 months.

    The key to reclaiming your financial independence is recognizing the need for help and getting it. At CredAbility, certified counselors will help you evaluate your financial situation and find the solution that best suits you. For more information on Debt Management Plans or to talk with a certified counselor about your options for a debt free life, contact CredAbility at 800.251.2227 or online at www.CredAbility.org.

    Play Your Way to Financial Freedom
    Play Your Way To Financial Freedom teaches you how to use educational games to help your family change the way they think about money and credit cards. You will learn how to play the new Beat Debt board game and Paid Off card game (for in-person only; games sold separately).

    read more at Debt Consolidation Counselling
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  21. A Debt Management Plan (DMP) helps consumers who are struggling with credit card debt develop reduced payment programs with creditors. Many creditors offer favorable repayment terms to consumers who enroll in a DMP, including interest rates ranging from 6% to 10% on their credit card debt. These creditors may also eliminate late fees and penalties once a consumer enrolls in a DMP with a nonprofit credit counseling organization.
    CredAbility says that the consumers on its Debt Management Plans in 2010 had higher incomes, more credit card debt and were older than in previous years.
    In 2010, the average income of a person on a DMP with CredAbility was $53,880, a four percent increase compared to 2009. Each person on a DMP in 2010 had an average of $24,266 in credit card debt, a 4.5 percent increase compared to 2009. The average age of a person on DMP in 2010 was 48, up from 45 years old in 2009.
    “While people enrolling in our DMPs earn good incomes, they have an increasing amount of credit card debt,” Williams said. “We can help them negotiate lower interest rates with their creditors that may result in lower monthly payments.”

    Money Basics
    Here you can access free resources to increase your knowledge of basic money management and enhance your overall financial literacy; a variety of self-guided education seminars, workbooks and study aids have been designed to support you.
    New Resources on CredAbilityU
    Listen as our CredAbilityU experts discuss a variety of free resources that can assist you with your personal financial goals.

    read more at Credit Counseling Organization
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  22. While CredAbility already provides counseling to consumers in all 50 states, this acquisition enables CredAbility to expand its face-to-face counseling offices to a fifth state in the southeast. CredAbility already has 28 offices in Georgia, Florida, Tennessee and Mississippi.
    “This is exciting news for both organizations.” said Suzanne Boas, president of CredAbility. “We provide many of the same services and share the same values. Combining the Compass/CCCS program with CredAbility will enable us to serve additional clients in the southeast.”
    “We are pleased that our CCCS program will join a national nonprofit credit counseling agency that can provide our clients with additional services,” said Thomas Bannister, president of Compass of Carolina. “The addition ofCredAbility’s housing counseling services, its 24/7 convenience and its bilingual staff will benefit many residents of upstate South Carolina.”

    Know the Score: Understanding and Improving Your Credit Score
    We will explore the importance of a credit score and how it can affect your financial life. You will learn the five critical factors that determine your number, how to deal with errors and tips that may help you increase your score.
    Making a Five Year Plan
    Listen as our CredAbilityU experts discuss financial tips on making a five year plan and more importantly how and why you should do it.

    read more at Credit Cards Debt Settlement
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  23. “This is exciting news for both organizations.” said Suzanne Boas, president of CredAbility. “We provide many of the same services and share the same values. Combining the Compass/CCCS program with CredAbility will enable us to serve additional clients in the southeast.”
    National Nonprofit Credit Counseling Organization Expands Offices in Southeast
    ATLANTA, GA – CredAbility, one of the leading nonprofit credit counseling and education agencies in the United States, today announced an agreement to acquire the Consumer Credit Counseling Service (CCCS) program of Compass of Carolina, a multi-service nonprofit agency based in Greenville, South Carolina.  All other services of Compass of Carolina will remain with Compass.
    The acquisition has been approved by the board of directors of both organizations.  It will become effective on November 1.
    Compass/CCCS has three offices in Greenville, Spartanburg and Greenwood.  Its CCCS program was started in 1971 and provides budget, credit, and pre-filing bankruptcy counseling, debtor education and debt management plans.
    Importance of Saving
    Listen as our CredAbilityU experts discuss the importance of saving and tips to keep you on track
    Important Information about Your Debt Management Plan (DMP)
    Before you fill out your DMP forms, we will review the responsibilities critical to your plan’s success, step-by-step and the consequences if you choose to withdraw from it.
    read more at Credit Card Debt Problems
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  24. If you have any questions, a Certified Credit Counselor is available to assist you as you go through the process.
    Just a reminder, completing the counseling session is free, is not a binding contract, and all information remains confidential.
    Remember, we are here to help. Our counselors are available nationwide, 24/7-by telephone and online-in both English and Spanish. We’ve helped thousands of people, just like you, get through periods of financial crisis.
    If you would prefer to complete your DMP session by phone, please call 800.251.2227 to schedule an appointment with a Budget & Credit counselor today.
    For those clients living in the following states or territories: Indiana, Minnesota, North Dakota, Puerto Rico, or the Virgin Islands, we are able to provide Budget and Credit counseling – as well as our other counseling services, but are not able to offer a Debt Management Plan. We can, however, provide you with information on who in your state could provide a DMP.

    Fully Covered
    Understand the basic types of insurance and why it is important to have the right insurance coverage for your family.
    How Do I Get Out Of Debt?
    This course will teach you that paying off debts give you the freedom and flexibility to do what you want. You will learn how to prevent spending your future, how to pay-off charges quickly, and learn the steps to build a workable plan to pay-off your debts.    read more at Credit Card Debt
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  25. I can help you learn what you need.

    Required by law, before your bankruptcy case can be discharged- which means debts included in the bankruptcy are no longer considered collectible- you must complete Pre-Discharge bankruptcy education. This course lasts two hours. Topics covered include:
    • Setting realistic financial goals
    • Understanding your credit report
    • Obtaining or re-establishing credit
    • Managing budgets
    • And more
    Again, this course is required and only available to individuals who have already filed for personal bankruptcy. To enroll in this class you must provide your case number.
    How Do I Get Out Of Debt?
    This course will teach you that paying off debts give you the freedom and flexibility to do what you want. You will learn how to prevent spending your future, how to pay-off charges quickly, and learn the steps to build a workable plan to pay-off your debts.
    How Do I Get Out Of Debt?
    We'll show you workable strategies for paying off your debts.

    read more at Consumer Credit Counseling
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  26. For those clients living in the following states or territories: Indiana, Minnesota, North Dakota, Puerto Rico, or the Virgin Islands, we are able to provide Budget and Credit counseling – as well as our other counseling services, but are not able to offer a Debt Management Plan. We can, however, provide you with information on who in your state could provide a DMP. If you would like referral information for your state, please click here.
    How Does A Debt Management Plan Work?
    The following video was produced under our former name of Consumer Credit Counseling Service.

    Financial Tips at Lake Lanier
    Does your bank account rise and fall like the levels of Lake Lanier? If you need some tips on how to stay afloat in rough waters watch this 2 minute CredAbilityU video.

    Financial Tips at Spaghetti Junction
    Are there potholes and congestion in your personal finances? If you need tips to put the right items in place to have some margin built into your personal finances without getting distracted along the way, watch this 2 minute CredAbilityU video.

    read more at Consumer Credit and Debt Counselling
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  27. Getting into debt can happen to anybody. It can start with a job loss, a medical crisis, a natural disaster or even life in general. No one is immune. But once your debt starts to mount, don't rely on just anybody to get you out of trouble.
    CredAbility makes it simple to pay down your debt.
    Through our Debt Management Plans (DMP), you can pay off your credit cards, lower your interest rates, eliminate fees and put an end to collection calls - forever. Sound like a plan? Good, because our Certified Credit Counselors can help you get out of debt in four simple steps.

    Fair Credit Reporting
    In this article, you will find out how to get free copies of your credit report, while ensuring its accuracy, privacy and your rights under federal law.
    Fair Debt Collection
    If you are behind on paying credit cards, personal loans or a home mortgage, this article will explain the laws governing debt collection, so you will know how to be treated fairly, honestly and legally.

    read more at Best Way to Consolidate Credit Card Debt
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  28. How to Prepare for your Counseling Session
    We strongly recommend that you watch this video to understand what documents you will need to have available, and how to get the most value from your counseling session.
    CredAbility’s counselors are available nationwide, 24/7.To begin pre-filing bankruptcy counseling, call 800.251.2227 to schedule a telephone or in person appointment. 
    Change Your Financial Fate
    Learn how to start the year off by becoming free of debt this year. You will learn several methods to build a workable plan to pay-off your debts quickly. You will learn how to prioritize your debts and pay-off secured as well as unsecured debts. Also, we will show you how to effectively track your spending and pay-off your holiday debt and live free of debt.
    Conquering Credit Challenges
    Each of us has a responsibility to manage spending. You will learn how to get the right reports from credit bureaus, interpret your credit report, understand the costs of using credit and work with your creditors.
    Experience a Large Financial Loss
    Listen as our CredAbilityU experts discuss reevaluating your lifestyle to accommodate a large financial loss.
    read more Best Debt Management
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  29. We've helped thousands of people just like you. And we're here to help you take your next steps with confidence and hope.
    Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.
    After your session, our support continues with free debt advice and online assistance in everything from how to pay down debt to strategies for successful credit management and how to read a credit report. As always, our reprentatives are here 24/7 to help you build a brighter financial future.
    Understanding Your Net Worth
    Determining your net worth is as important as knowing how much you owe. This article will help you understand the value of your assets and your liabilities in dealing with financial challenges.
    What is Bankruptcy?
    If you are having problems paying bills or being threatened by creditors with lawsuits, wage garnishment or property seizure, this article will help you understand the basics of bankruptcy.

    read more at Bankruptcy Information
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  30. Our debtor education course will prepare you for a new beginning.

    Pre-Discharge Bankruptcy Education
    Required by law, before your bankruptcy case can be discharged- which means debts included in the bankruptcy are no longer considered collectible- you must complete Pre-Discharge bankruptcy education. This course lasts two hours. Topics covered include:
    • Setting realistic financial goals
    • Understanding your credit report
    • Obtaining or re-establishing credit
    • Managing budgets
    • And more
    Again, this course is required and only available to individuals who have already filed for personal bankruptcy. To enroll in this class you must provide your case number.
    Understanding Your Credit Score
    This article will give you a clear explanation of a credit score and how managing your finances will determine your costs to borrow money, plus valuable resources to help you learn more.
    Understanding Your Net Worth
    Determining your net worth is as important as knowing how much you owe. This article will help you understand the value of your assets and your liabilities in dealing with financial challenges.

    read more at Bad Debt Settlement
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  31. We are here to listen, answer your questions and provide the information you need. We strongly urge you to visit with an attorney to discuss the benefits, costs and consequences of filing for personal bankruptcy. And if you are not sure what you need, contact us—we will help you on the right path.
    To begin pre-filing bankruptcy counseling, call 800.251.2227 to schedule a telephone or in person appointment or click on the green "Start an online session" button above.
    How to Prepare for your Counseling Session
    We strongly recommend that you watch this video to understand what documents you will need to have available, and how to get the most value from your counseling session.
    Strategies For Managing Your Credit Report and Credit Score After or During Bankruptcy
    If you've filed for bankruptcy, discover the effect it can have on your credit report, credit score and request for new credit. We will also explain how to manage your credit, and what to expect as a result of having filed for bankruptcy.
    Understanding Your Credit Score
    This article will give you a clear explanation of a credit score and how managing your finances will determine your costs to borrow money, plus valuable resources to help you learn more.
    read more at: Advantages of Bankruptcy
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  32. Each of us has a responsibility to manage spending. You will learn how to get the right reports from credit bureaus, interpret your credit report, understand the costs of using credit and work with your creditors.

    Buying Insurance
    Listen as our CredAbilityU experts discuss financial tips on how to unravel the mystery of buying insurance.
    Fair Credit Reporting
    In this article, you will find out how to get free copies of your credit report, while ensuring its accuracy, privacy and your rights under federal law.
    New Resources on CredAbilityU
    Listen as our CredAbilityU experts discuss a variety of free resources that can assist you with your personal financial goals.

    Play Your Way to Financial Freedom
    Play Your Way To Financial Freedom teaches you how to use educational games to help your family change the way they think about money and credit cards. You will learn how to play the new Beat Debt board game and Paid Off card game (for in-person only; games sold separately).    read more at: Advantages of Bankruptcy
    Posted by


  33. Let's turn this thing around
    Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.
    Know the Score: Understanding and Improving Your Credit Score
    We will explore the importance of a credit score and how it can affect your financial life. You will learn the five critical factors that determine your number, how to deal with errors and tips that may help you increase your score.


    Making a Five Year Plan
    Listen as our CredAbilityU experts discuss financial tips on making a five year plan and more importantly how and why you should do it.
    read more at: Free Credit Counseling
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  34. Identity Theft
    Learn the necessary steps to protect your information and avoid the common mistakes that allow someone to take your identity. This course will help you understand what you must do if you are a victim of identity theft.
    Importance of Saving
    Listen as our CredAbilityU experts discuss the importance of saving and tips to keep you on track


    read more at Debt Management Plan Calculator
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