fbpx

When Are NFCC Call to Action Debt Management Plans Going to Be a Reality? – Eric

“Dear Steve, As of 14 months ago I was grossing $100K/yr, now $42K, I have $51K in CC debt, i am not late/delinquent but it is inevitable, I am down to $1100 bal on a broken down car, $355/mo payment has 3 mo left. I have $7500 in 401K, 44 yrs old. Was able easily … Read more

I Want to Repay My Debts But I Can’t Stop Using the Credit Cards. – Bonnie

Bonnie “Dear Steve, I want to deal with the best company for my debt consolidation. I don’t want to deal with money grabbers, or companies that won’t send the payments in on time and every month. I also think maybe I can do this myself in 6 years, but I can’t stop using the cards. … Read more

What Do You Think of the CCCS company Money Management International? – Carol

“Dear Steve, What do think of Money Management International? Are they the same company as CCCS? I have about 60,000 in debt and I need help my husband hasnt had a paycheck since Nov I did my own modification on my house back in Jan. I have no equity in my house they just lowered … Read more

I Am Currently Enrolled in CCCS And Having a Hard Time Making My Payments. – Kim

Kim “Dear Steve, I work fulltime and owe $24000.00 in credit cards. I am currently enrolled in CCCS and I am having a hard time making my monthly payment. I have payed 671.00 for 2 months now, but the 3rd month is due and all I have in my bank account is 25.00. Medical finaces … Read more

Disturbing and Potentially Deceptive Move by Credit Card Industry. HelpWithMyCredit.org

It what certainly feels like yet another self-serving action by the credit card industry, Bank of America, Capital One, Citi and Discover Card, as well as the payments networks MasterCard and Visa have launched a new website HelpWithMyCredit.org that misleads consumers. What appears to be even worse, is that a CNN personal financial reporter that … Read more

Most Debt Advice Suggested is Snake Oil or the Wrong Solution For People In Trouble. Here’s Why.

I’ve been following the conversations on Twitter (@GetOutOfDebtGuy) and watching what others are saying about debt management, credit counseling, debt settlement and bankruptcy and it really has me worried and concerned. I’m a guy that lived through financial problems myself and went bankrupt in 1990. I then went on to found and run a non-profit … Read more

A Secret You Are Not Supposed to Know – Citibank CCCS Credit Counseling Terms

I’ve written a lot about the misperception that people have that going into a CCCS or credit counseling program involves some sort of negotiation with your creditors. It doesn’t. You will notice that none of the credit counseling groups say that they are there to defend you and put you first. This is because no … Read more

Quickies – CCCS Consumer Review, Autos, Cards, Balances, and Debt

When I need a break from answering questions I often take a look for some odd or interesting search terms that people used to find me. Below are some of the latest I saw today that I wanted to provide quick answers to. Steve Search Terms CCCS consumer review – CCCS stands for Consumer Credit … Read more

Consumer Credit Counseling Service, CCCS, NFCC, and National Foundation for Credit Counseling

I often get questions from people asking me about Consumer Credit Counseling Services, also known as CCCS. I thought I’d give you a quick little summary of CCCS and the types of services they offer. CCCS offices are members of the NFCC. The NFCC used to stand for the National Foundation for Consumer Credit but … Read more

Michael is Looking For a NFCC Debt Settlement Program

Michael “Dear Steve, I am approx. 30,000 in cc debt.Am cuurrent with payments but future doesnt look so good. Needed money for medical bills and to keep operating my business-excavating. I am looking for a good debt settlement program-is the NFCC something to consider or is there others. Thanks. Michael” Dear Michael, When you mention … Read more

Eva Has Heard Negative Things About CCCS

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 … Read more