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Tag Archives: credit counselors

Why Most Debt Settlement Companies and Credit Counselors are Bad Medicine

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A couple of years ago I wrote an article asking, pleading really, for any debt settlement company (DSC) to explain to me how they could ever possibly “do whatever is in the best interests of the consumer” when they are unable to give any legal advice in what are inherently legal matters. For example, as a matter of law they ... Read More »

Consumer Survey by NFCC Shows People Are Wary About Real Help From Credit Counselors

On one hand you have to applaud the most recent release from the National Foundation for Credit Counseling. One thumb up. On the other hand it comes across as simply just more denial about the disturbing lanscape that faces narrow niche nonprofit credit counselors. The NFCC survey was an online poll conducted on the NFCC website. Right off the bat ... Read More »

Credit Counselors – Scam, Complaint, Review, or Praise?

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Please share your experience with this debt relief company and provide your review and feedback, in the comments section below. The goal of this page is to allow people to share information that may be important to help others to make a more informed decision regarding their experience with this debt relief company. Here are some potential questions you might ... Read More »

What Do You Do When Your Creditors and Credit Counselors Say There Isn’t Anything They Can Do to Help? – Elle

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Elle “Dear Steve, What do you do when the credit card company and the credit counselors say they can’t do anything to help? I have a solid income, good credit score and have racked up $37,000 worth of unsecured debt. I called Bank of America to ask for a lower interest rate, I’m paying 18.99%, 21.99% on two cards. Credit ... Read More »

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Today, I was walking slowly and awkwardly down the stairs on my crutches. After two steps, a screw fell out of the left crutch and it collapsed. I now have a broken arm from trying to protect my broken leg as I tumbled down two flights of stairs. Read More »

Debt Relief Orders Let Consumers Go Bankrupt Through Credit Counselors

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An interesting new development in the UK is the formalization of a new tool, the Debt Relief Order, to let consumers eliminate their debts under the power of bankruptcy but without all the hassle or cost. For debtors that have less than £15,000 of unsecured debt and no assets, they can go to a credit counselor, who can file an ... Read More »

Eva Has Heard Negative Things About CCCS

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Eva “Dear Steve, My husband and I just bought a home and besides the mortgage, we are in debt for $26,000. I called up my credit card companies and they said they aren’t offering lower rates to customers now. I went to CCCS website and they say lowering customers rates is one of their ways they can help out. If ... Read More »

Should I Tithe While Getting Out of Debt?

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She and her husband are working diligently to get out of debt . They want to direct as much money as possible to digging out of their hole, but at this point they are also trying to keep their heads above water. I am not an authority [. ... Read More »

Beware Of Zombie Debt Collectors

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Beware Of Zombie Debt Collectors Forbes, NY - 15 minutes ago Read "Debt Consolidation Made Easy" to learn five steps to help you get out of debt faster.) The statute of limitations on debts varies by state, ... Read More »

Lawyers Lose Licenses Over Debt Relief. Dangerous Waters For All.

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This has been a growing story over 2008 but I think it is a good example of the perils that consumers face when trying to get out of debt. We already have been ingrained to not trust credit counselors by the flurry of activity as the IRS targeted credit counselors a few years ago. But now lawyers acting on behalf ... Read More »

The Perfect Debt Assistance Program

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I can dream, can’t I? If I could get a wish for debtors it would be to wave a wand and implement this perfect debt assistance or debt relief program. Here is what the program would look like. A Sliding Scale Nominal Charge – Consumers would have to pay a sliding scale setup fee. It is too expensive to start ... Read More »

How to Avoid Filing for Bankruptcy – WAAY

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How to Avoid Filing for Bankruptcy WAAY, AL - 35 minutes ago By Lisa Smith Filing for bankruptcy is often viewed as a quick and easy way to get out of debt . While it will make some of your debts go away, US residents ... Read More »

10 ways to protect yourself in financial crisis – Daily Journal

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10 ways to protect yourself in financial crisis 
 Daily Journal, SC - 10 hours ago Harrine Freeman, personal finance expert and author of "How to Get Out of Debt ," said small changes, such as skipping Starbucks in the morning, packing your ... Read More »

War of words: Senate candidates debate in Soldotna – Kenai Peninsula Online

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War of words: Senate candidates debate in Soldotna Kenai Peninsula Online, AK - 12 hours ago "As long as we don't face the issue of interest, we're never going to get out of debt . It's absolutely impossible." Bird said constitutional principles need ... Read More »

Searching For a Debt Consolidation Loan or Credit Card Counseling Service

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When faced with credit card debt and suddenly looking for a credit card debt payoff it is not unusual for people to search out solutions they feel might be able to provide debt consolidation for bad credit. See if this sounds familiar, you wake up, in the middle of the night, worried about your debt problems. You know that the ... Read More »

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