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Free Consultation

Credit counseling or debt consulting can be very helpful to people in a financial crisis.  For those considering bankruptcy, I offer a free no pressure initial consultation where I will analyze your unique situation and discuss whether or not bankruptcy is your best option.  There are some situations where bankruptcy is not appropriate and would do more harm than good.  I will tell you if this is true for you.

Here are a few helpful hints for Credit Counseling and Consolidating from

ID-100347106Credit Counseling Services

Credit counseling services provide various resources to help solve your money problems. From starting a budget to educational programs on money management, counselors discuss your entire financial situation and help you develop a personalized plan.

Credit Counseling Service Locations

You can find free or low-cost credit counseling options at:

  • Credit unions
  • Extension offices
  • Religious organizations
  • Non-profit agencies
  • Make sure the credit counseling service you’re using is accredited with either of these organizations:

National Foundation for Credit Counseling (NFCC)
Financial Counseling Association of America (FCAA)
Military Servicemembers

Under the provisions of the Servicemembers Civil Relief Act (SCRA), you may qualify for a reduced interest rate on mortgage payments or credit card debt, protection from eviction, or a delay of all civil court actions, such as bankruptcy, foreclosure, or divorce proceedings. To find out if you qualify, contact your local Armed Forces Legal Assistance office.

You can submit a debt collection complaint through the Consumer Financial Protection Bureau (CFPB).
For concerns about approved credit counseling agencies, contact the Department of Justice’s U.S. Trustee Program.