Credit Counseling Services Fort Lauderdale - (954) 688-3077
Should you get credit counselling? Call (954) 688-3077 ft-lauderdale@creditadvisorscouncil.com Credit counselling is obviously one of the major alternatives to bankruptcy. But a lot of people are wondering whether it’s really worth the money. Credit counsellors are just middle men, right? Technically, yes. You can definitely do their job yourself if you want. What exactly do they do? They work with your creditors on getting better payment terms. They might do this by either lengthening the amount of time you have to pay off the loan, reducing the interest rate, or even lowering the grand total. Credit Counseling Services Fort Lauderdale - (954) 688-3077 In most instances they deal with credit card debt, since this is what most people deal with. But before you hire anybody, you should at least attempt to negotiate with your creditors prior to hiring a third party to do it for you. It can’t hurt, after all. When should you get a counsellor? If you are barely able to cover your minimum credit card payments, and don’t have the daily cash flow for the money you are spending. In this instance, you are a prime candidate. And if you are consistently behind in making your payments, then again this would be a wise decision. How do you pick the right company? Here are three guaranteed ways to help you find the most effective firm: Credit Counseling Services Fort Lauderdale - (954) 688-3077 #1) Make sure they are accredited This basically just states that they have the necessary credentials to deal with your case. If a company has this, you know they are legit. They should be part of the NFCC or AICCCA. The reality is that there are a lot of scammers in this industry who just take your money and are never heard from again. But you know that if a company has gone to the trouble of getting this accreditation, they are the real deal. #2) Read online reviews There’s no better way to tell how honest a company is than to see what their current and past customers are saying about them. This is particularly necessary if it’s a firm you’ve never heard of. #3) Look at their upfront charges Just make sure you avoid companies that require huge initial fees. Most legit firms charge nothing more than ten dollars for an initial consultation, so if it’s much more then avoid them. When do you not need a counsellor? If you can pay all your bills comfortably, but just want better interest rates. In this instance, there is absolutely no reason for you to hire someone. Credit Counseling Services Fort Lauderdale - (954) 688-3077 So this means you can’t get lower rates? Not at all. Just negotiate directly with the company you are paying. If they won’t budge, let them know you will go with another company if they don’t come up with something better. The bottom line: for many people, a counsellor is not worth it. But if you are drowning in debt, then it may be a sensible option. NJ HMFA Authorized Housing Counseling Agencies in the State's Free Foreclosure Mediation Program (PDF) (HMFA's "Foreclosure Fast Facts" - page 2 lists participating agencies by county); NJ Bankruptcy Court's Approved Credit Counselor list for NJ (Bankruptcy code changes in 2005 require consumers to receive credit Contacting us by mail: If you need to send us something by mail, please send it to the following address: Consolidated Credit Counseling Services, Inc. 5701 West Sunrise Blvd. Fort Lauderdale, Florida 33313 Be careful in selecting a counseling service. Some are non-profits, while others are for-profit. Make sure you check with the Office of the Consumer Credit Commissioner and use a licensed credit counselor. Ask what services the company provides - some will perform in-depth evaluation of your monthly expenditures while 4 Consolidated Credit Counseling reviews in Fort Lauderdale, FL. A free inside look at company reviews and salaries posted anonymously by employees. Let our South Florida Lawyers find solutions to get you out of debt. Our Student Loan Lawyers and Bankruptcy Attorneys Fort Lauderdale ready to help you. In need of a debt consolidation company? Read reviews about Consolidated Credit Counseling Services regarding the program process and more. Credit Counseling Services Fort Lauderdale consolidated credit login consolidated credit card consolidated credit bbb what is consolidated credit consolidated credit reviews consolidated credit phone number consolidated credit solutions login consolidated credit customer service #CreditCounselingServicesFortLauderdale #consolidatedcreditlogin #consolidatedcreditcard #consolidatedcreditbbb #whatisconsolidatedcredit #consolidatedcreditreviews #consolidatedcreditphonenumber #consolidatedcreditsolutionslogin #consolidatedcreditcustomerservice National Foundation for Credit Counseling https://www.nfcc.org/ Credit Counseling Services Fort Lauderdale - (954) 688-3077
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