Credit Counseling

We do not specialize in Traditional Credit Counseling as our Debt Relief Plans could save you much more money and help you be debt free much sooner. Traditional Credit Counseling plans collect one payment from you every month and distribute it to your creditors. They can sometimes reduce your interest rates but if you miss even one payment you may no longer be eligible for the reduce rates. After enrolling all of your accounts in the Traditional Credit Counseling plan are closed and you will no longer have access to your credit lines. Your creditors usually note that you are in a "hardship" plan on your credit reports which can be looked at similar to a bankruptcy to other lenders. These plans can be useful for people who are struggling with under $5,000 of total debt.