If you have found yourself overwhelmed by credit card debt, you might want to seek out the services of a consumer credit card counseling service. They actually are a part of consumer credit counseling services that are available to consumers all over the world. They can help with counseling services when it comes to your credit card debt as well as any other debt that can be affecting your credit report and your credit rating.
The most prominent credit card counseling service is Consumer Credit Counseling Service. They have locations all over the United States as well as in thirteen countries. You can find them online as well as in your local Yellow Pages. They have a proven reputation for helping people get out of credit card debt and back on their feet.
There are other consumer credit card counseling services available to Joe Public and they can most often be found on the Internet. Just do a Google search for consumer credit card counseling services and you will find many, many companies to choose from. You’ll need to be cautious, however, when picking a company blindly like this.
Take a moment to ask questions about their company. Check with the Better Business Bureau to see if there have been any complaints filed against them. If you think they are reputable and decide to use them to get out of credit card debt, make sure that all of their services are spelled out on paper and read the fine print.
A reputable consumer credit card counseling service will advise you of your rights as a consumer as well as a customer of theirs. They will outline up-front what services you can expect from them and have everything in writing so you will know that you are protected. Be sure you look for an “out clause” that allows you to cancel your contract if you are unhappy with their services.
You will pay a fee for their services, but it’s often quite a manageable fee. The consumer credit card counseling service will then call your creditors and negotiate re-payment of the account. They can often get the credit card company to lower the amount due if the account will be paid in one lump sum. They also can often get your financing percentage rate lowered which can lower your monthly payment to them.
Consumer credit card counseling services provide a great option for people who have gotten themselves in over their heads with credit card debt. Proceed carefully and be a smart consumer. You will soon find that you can enjoy a debt free life!
If you are interested making efforts to knock out your debt, you might want to consider hiring a consumer credit counseling service to help you. They can not only help you knock out debt, but they can also get you on the road toward financial independence and keep you out of the spending habits that got you into trouble in the first place.
A consumer credit counseling service will work with your creditors to knock out your debt and make repayment arrangements as well as possibly reducing the amount of interest that you are currently paying. The consumer credit counseling service has agreements with many companies and they work with them to make repayment terms that you can stick to and get back on track.
It can be difficult to knock out your debt on your own. That’s why consumer credit counseling services were founded and today, with more and more Americans deep in debt, they are becoming big business. Not only do they charge you a small fee for their services, they also receive a percentage of your payment from the credit companies they work with.
One of the largest and oldest consumer credit counseling service that exists to help people knock out debt is CCCS (Consumer Credit Counseling Service). They can be found online at http://www.cccsintl.org and can even do an online consultation with you regarding your debts and what they can do to help you out.
If you want to use another company, they abound – especially on the Internet. It seems like you can’t turn on the television or the radio without hearing about another company that promises to knock out your debt and make you financially solvent again.
When choosing a consumer credit counseling service to knock out your debt, you’ll want to choose carefully and make sure you are getting service from a reputable company. Do some research into their background and be sure there are no complaints that have been filed against them with the Better Business Bureau.
They are required to advise you of your rights when it comes to credit counseling and everything they will do to help you should be in writing. This should include an “out clause” that would allow you to cancel their service if you are dissatisfied with their performance.
You can try to knock out your debt on your own, but securing the help of a consumer credit counseling service is a better option – especially if you are deep in debt. They have a little more pull with creditors plus it looks good on your credit report showing that you are trying to not only get out of debt, but stay out of debt for good.