If exceedingly high debts are keeping you awake at night worrying about your family’s future, there is a helpful option that can ease your mind, give you a plan, and introduce the tools needed for debt pay off and financial security stabilization. Credit counseling offers ways to pay off your bills while learning how to better manage your finances in an effort to avoid these types of situations in the future with the combination of a debt repayment plan and a solid financial education.
Credit counseling can help you pay off your debt with the consolidation of your bills into one convenient single amount owed, that you will then send payment for on a monthly basis to the counseling agency, at which point they then use the proceeds for repayment of the agreed upon remaining sum of the balances due. In order to arrive at this scenario, the agency itself calculates your total amount of debt, plus any interest incurred, and then provides you with a sensible 3 to 5 year debt repayment plan, structured for you to make equal payments to all while removing the hassle and strain from managing your finances and preventing accidental late fees.
With the primary benefit of paying down your debt in an ongoing monthly fashion, the upshot of putting your trust and finances in a credit counseling agencies capable hands is that they also negotiate with your creditors for improved interest rates and potentially lower payoff amounts, meaning you pay less on the total debt that you currently owe.
One of the major differences between a debt consolidation loan and a debt repayment plan via credit counseling is that an agency has the staff of professional negotiators and instructional resources to prepare you for living within your means, properly managing finances, paying off debt, and positioning you for future financial success.
A credit counseling agency can also demonstrate various techniques on staying away from debt, once the repayment of your obligations has been completed. All of these methods are designed to encourage and prevent you from repeating past mistakes, along with teaching you the importance of obtaining the things in life that you desire without burdening yourself with enormous amounts of debt.
All in all, credit counseling will provide more than just helping you through your financial struggles at this current point in time, since the education that you obtain and the advice that you receive will be something that you can pass down to your own children. Teaching them how to manage their own finances properly is the ultimate gift that you can give them, so that they do not end up in over their heads in debt while raising their own family.
Other Debt and Credit Counseling Agencies
Inclusion in the following list does not constitute an endorsement from this website and in addition, the retrieved contact information for each agency came from the listed organizations website.
- Advantage Credit Counseling Service
Offers free credit counseling, a debt management program, bankruptcy counseling and financial education.
2403 Sidney Street, Suite 400, Pittsburgh, PA 15203 | Phone: (866) 699-2227
- Alliance Credit Counseling
Offers bankruptcy counseling & debt management, pre bankruptcy credit counseling, and post bankruptcy counseling certificates.
15720 John J Delaney Drive, Suite 575, Charlotte, NC 28277 | Phone: (888) 995-7856
- American Consumer Credit Counseling
Can help you reduce debt though debt relief, debt consolidation and debt management programs.
130 Rumford Avenue, Suite 202, Auburndale, MA 02466 | Phone: (800) 769-3571
- American Credit Foundation
Offer credit counseling services that are safe, fast and easy ways to help you to get out of debt.
7720 South 700 East, Midvale, UT 84047 | Phone: (800) 259-0601
- American Financial Solutions
Non-profit credit and debt counseling, work your way out of debt.
263 4th Street, Bremerton, WA 98337 | Phone: (888) 282-5899
CCCS of Orange County, California
The nation’s oldest and largest credit counseling organization as a member of the National Foundation for Credit Counseling.
1920 Old Tustin Avenue, Santa Ana, CA 92705 | Phone: (800) 213-2227
- Christian Credit Counseling Service
A non-profit agency dedicated to helping individuals and families to their financial freedom.
6705 East 81st, Suite 152, Tulsa, OK 74133 | Phone: (800) 342-7686
- Clarifi – Consumer Credit Counseling Service of Delaware Valley (CCCSDV)
Reduce your debt, improve your credit, avoid foreclosure and get free financial counseling in 13 local offices.
1608 Walnut Street, 10th Floor, Philadelphia, PA 19103 | Phone: (800) 989-2227
- ClearPoint Credit Counseling Solutions
Nonprofit agency offering free consumer credit counseling, student loan counseling, budgeting help, mortgage default assistance and foreclosure counseling.
270 Peachtree Street NW, Atlanta, GA 30303 | Phone: (800) 750-2227
- Consumer Credit and Budget Counseling
Non-profit credit education and financial counseling agency, let us analyze your debt and budget at no cost to you.
299 South Shore Road, Marmora, NJ 08223 | Phone: (866) 799-2122
- Consumer Education Services Inc.
Provides non-profit debt relief services and financial education if you or your loved ones need help managing debt.
3700 Barrett Drive, Raleigh, NC 27609 | Phone: (866) 484-5373
- Cornerstone Financial Education
Lower your monthly debt by up to 40% and take back control of your finances.
3011 North Lamar Boulevard, Austin, TX 78705 | Phone: (800) 336-1245
- Credit Advisors Foundation
Debt consolidation programs and credit counseling services may be your ticket to financial freedom.
1818 South 72nd Street, Omaha, NE 68124 | Phone: (800) 942-9027
- Credit Card Management Services, Inc.
Helping you with a range of services including financial counseling and education.
1325 North Congress Avenue, #201, West Palm Beach, FL 33401 | Phone: (800) 920-2262
- Credit Counseling of Arkansas
A non profit community service agency helping people with finances.
1111 East Zion Road, Fayetteville, AR 72703 | Phone: (800) 889-4916
- CreditGuard of America
If you are dealing with the stress of debt, our nonprofit credit and debt counseling agency can provide the tools to manage debt.
5300 Broken Sound Blvd NW, Suite 100, Boca Raton, FL 33487 | Phone: (800) 500-6489
- Debt Counseling Corp.
Solutions to give you peace of mind with debt consolidation services helping you get out of debt and stay out of debt.
3033 Express Drive North, Suite 103, Hauppauge, NY 11749 | Phone: (888) 354-6332
- Debt Reduction Services
Nationwide non profit credit counseling organization that offers free consultations.
3920 Veterans Highway, Suite 10, Bohemia, NY 11716 | Phone: (877) 688-3328
- Delray Credit Counseling
Debt consolidation advice for free. Consolidate your credit cards, medical bills, and unsecured debt to save money without loans.
5300 West Atlantic Avenue, Delray Beach, FL 33484 | Phone: (888) 338-0393
- Family Credit Management
Dedicated to helping people become debt free with valuable industry affiliations and relationships with every major bank, retail store and finance company.
4306 Charles Street, Rockford, IL 61108 | Phone: (877) 322-8319
- Family Financial Education Foundation (FFEF)
Non profit debt consolidation and credit counseling for your debt management solution.
724 Front Street, Suite 340, Evanston, WY 82931 | Phone: (877) 789-4172
Family Life Resources
Offers Christian credit counseling, bankruptcy counseling certificates and educational services.
5802 East Fowler Avenue, Suite D, Tampa, FL 33617 | Phone: (800) 553-8621
- Financial Guidance Center
Non-profit United Way Agency and NFCC Member credit counseling agency with affiliate offices.
2650 South Jones Boulevard, Las Vegas, NV 89146 | Phone: (800) 451-4505
Genesis Financial Management
A full service not-for-profit debt management company providing clients with accredited consumer credit counseling and a diverse platform of tools for debt help.
12640 Telecom Drive, Tampa, FL 33637 | Phone: (866) 467-1259
- GreenPath Debt Solutions
Helping people regain control of their finances and lives since 1961.
36500 Corporate Drive, Farmington Hills, MI 48331 | Phone: (800) 550-1961
- InCharge Debt Solutions
Nonprofit credit counseling agency offering free credit counseling, debt management & debt consolidation alternatives.
5750 Major Boulevard, Suite 300, Orlando, FL 32819 | Phone: (800) 565-8953
- Money Management International
Manage your debt using personal finance tools & resources and get free debt and credit counseling from certified counselors.
14141 Southwest Freeway, Suite 1000, Sugar Land, TX 77478 | Phone: (866) 889-9347
Helping people learn about money management and coaching them to achieve their personal definition of financial success.
2009 North Wadsworth Boulevard, Suite 100, Lakewood, CO 80214 | Phone: (303) 233-2773
- Navicore Solutions
Dedicated to helping consumers with credit card debt services typically including individual credit counseling, financial education, and budgeting.
225 Willowbrook Road, Freehold, NJ 07728 | Phone: (800) 992-4557
- Pioneer Credit Counseling
Credit counseling, debt consolidation, budgeting advice, and debt liquidation programs supported by Christian principles.
1644 Concourse Drive, Rapid City, SD 57703 | Phone: (800) 888-1596
- Springboard Credit Counseling
Nonprofit offering free credit counseling and debt counseling to help people become debt free since 1974.
4351 Latham Street, Riverside, CA 92501 | Phone: (800) 431-8157
- Take Charge America
A nonprofit credit counseling agency providing financial education, credit counseling and debt management solutions to consumers.
20620 North 19th Avenue, Phoenix, AZ 85027 | Phone: (866) 528-0588
- U.S. Trustee Program / Department of Justice
Information about the United States Trustee Program and the federal bankruptcy system.
950 Pennsylvania Avenue, NW, Washington, DC 20530 | Phone: (202) 514-4100