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Tag Archives: credit counseling

I Need to Take Out a Payday Loan to Cover My Credit Counseling Payment

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im currently on a debt management plan of 100 per month but needed to take a payday loan out to cover my self for the month but when my payday comes i wont be able to pay both. unless i get it exended till next payday or do you think dexter bell would add this to my current dmp then ... Read More »

I Went Into Debt as a Single Mom. – Theresa

justball-144x125

“Dear Michael, I went into large amounts of credit card debt as a single mom. I divorced when my house was worth $50,000 more than it is now. I insisted with my ex to keep the house so my kids can graduate in the same house. Once the youngest graduated, I lost a lot of equity and couldn’t sell the ... Read More »

Less Than Full Balance Plans and the Problems They Create for Credit Counselors

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For many years debt relief plan providers, such as nonprofit credit counselors, and debt settlement service providers, have been seen as two separate and distinct structures in the debt relief services industry. These two sides of the industry have often been at odds with one another. While debt settlement providers have never come together as a unified voice to slam ... Read More »

Refunds Now Being Sent To Victims Of Express Consolidation Debt Management Services

Four years after the Federal Trade Commission (FTC) filed a case against Randall Leshlin and his debt management services company, Express Consolidation, the FTC is mailing out refund checks to almost 3,000 consumers across the country that fell victim to worthless debt management services. The reimbursement stems from a February 2009 contempt finding against Florida attorney Randall L. Leshin, and ... Read More »

All About Cambridge Credit Counseling Corp.

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Company Name Cambridge Credit Counseling Corp. Owners/Managers Christopher A. Viale, President & CEO Thomas W. Hebert, Chief Financial Officer Tracy Guay, Clerk Of the Corporation Physical Street Address 67 Hunt Street Agawam, MA 01030 Contact Information 1-800-CAMBRIDGE (1-800-226-2743) [email protected] Website CambridgeCredit.org Description of Services Provided Cambridge Credit Counseling Corp. is a 501(c) 3 non-profit credit and housing counseling agency. All ... Read More »

Deceitful Debt Relief And Mortgage Operation Shut Down

A United State district court has shut down two related operations who apparently failed to provide promised debt relief services and jeopardized clients’ privacy by at the Federal Trade Commission (FTC)’s request. Apparently one firm charged consumers a $1,495 up front fee for a mortgage relief assistance program that was never given as well as tossing personal information into unsecured ... Read More »

Wanna Know a Secret About the Debt Relief Industry?

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As modern and clever as we might feel here on the bleeding edge of history there is one cold hard fact I can’t ignore, these are still the dark ages of the debt relief industry. Let’s just take a broad look at the current state of affairs: Nonprofit Credit Counselors: The credit counseling world is as tied to creditors and ... Read More »

I Can’t Afford My Debt Settlement Program Anymore and Want to File Bankruptcy. – Tony

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“Dear Lewis, I am currently enrolled in a debt settlement plan but i am unable to make the payments due to losing one third of my income in the last 10 months. I went with a law firm and they wanted 2875 up front took 3 months to pay that they just settled my ist account for half but i ... Read More »

I Have Questions About Entering a Debt Management Plan With MMI. – Jennicka

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“Dear Steve, Thank you for your site. I’m at a precipice and need your help. I am employed making $130,000 a year with $76,000 in debt, with mortgage and school tuition monthly payments of $3200 a month not including utilities, car/home maintenance etc. My husband has been laid off since May and with the credit card rate increases it is ... Read More »

Does Credit Counseling Have a Fiduciary Duty to Mention Ethical Debt Settlement to Consumers?

Fiduciary

Yesterday a commenter on my article Dear Credit Counselors, You Are Your Own Worst Enemy made a very interesting comment that raises a number of questions. The comments had been flowing between what appeared to be people from credit counseling and debt settlement when the issue was raised that credit counseling groups should have a fiduciary duty to the people ... Read More »

Debt Relief industry Trends, June, 2011 – Credit Counseling, Debt Settlement, Bankruptcy

Credit Counseling June 2011

In what has turned into a regular report from this site, here is the next installment in my forecast for the debt relief industry. The extension of consumer credit remains weak. Delinquencies and defaults are dropping and sometimes, as Discover announced recently, to historic lows. Credit Counseling Demand Sources inside credit counseling are reporting continued declines in new debt management ... Read More »

Credit Counseling North Carolina

Wake-Courthouse

Credit Counseling North Carolina Here in North Carolina, like many other states the availability of finding good credit counseling assistance is confusing. People need help trying to figure out where to turn for help but who can they trust? Where do they look for help? Not all help is innocent. In the past year the North Carolina Attorney General has ... Read More »

Dear Credit Counselors, You Are Your Own Worst Enemy.

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I’m frustrated. For the life of me I can’t understand why credit counseling continues to look at debt settlement as the enemy. The anger and desire to kill the solution seems to be opposite of what a charitable industry should be trying to do. The other day over a delicious Cracker Barrel lunch I was asked which side of the ... Read More »

Would it Be Better for Us to File Bankruptcy or Go With Credit Counseling in Pennsylvania

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“Dear Lewis, Yes I am about 10,000 in credit card debt. I recently got married he also has debt to together are credit card debt is about 700.00 a month. We are not on each other account he was an authorize user but recently took him off. We live in PA. The house is in just my husbands name and ... Read More »

Is Debt Management or Credit Counseling the Best Solution for Me? – Trisha

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I make approximately $65000 a year but owe $30000 in unsecured debt in addition to student loans, a mortgage (that just went up by $500 due to escrow issues) and a car note. As a side note both the house and car have negative equity. With the increase in my mortgage I am struggling to stay afloat and my credit ... Read More »

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