Find Debt Help Through
Consumer Credit Counseling

Everyday, more and more Americans are finding themselves trapped in a quagmire of credit card debt, loans, medical bills, adjustable rate mortgages and auto loans. However they arrived at their debt problem, the bottom line is this; they need HELP! One solution that has successfully helped hundreds of thousands of Americans is actually not that well known. If you’re seeking debt help, take a look at how Consumer Credit Counseling Services can help you. 

 

What To Do When You Need Debt Help
In 2005, Dennis and Angela found themselves drowning in credit card debt. The couple, who asked that their real names not be used, paid off a pressing IRS debt and a judgment from a creditor, both stemming from a failed business.

Those moves wiped out all of their savings and liquid assets. Left with nothing, they started using credit cards to bridge the gap in their finances. It was a bad move because they eventually found themselves trapped in $64,000 in credit card debt.

Their financial problems multiplied when they started submitting late payments and the fees began to rack up rather quickly. When that happened, all of their creditors, a total of twelve  credit cards, red flagged them and instantly raised the interest rates from an average six point nine percent to a stunning thirty percent. Dennis knew this was a losing battle and he needed some debt help FAST! It was simply no way they would ever get out of debt continuing down this path.

Fed up, Dennis started an online search and one of the sites he visited, highly recommended that he look at getting debt help by making an appointment with Consumer Credit Counseling Services. It was a decision both he and his wife are thankful for to this day.

What is Consumer Credit Counseling Services?
They are a Non-Profit organization that negotiates with lenders and creditors on the behalf of debtors. They help to eliminate late fees and over limit fees and push to obtain lower interest rates. Clients who opt to enter into a specially crafted debt management plan make monthly payments based upon their income.

Who Uses The Services of Consumer Credit Counseling?
There is no typical client. They help people from all income ranges, backgrounds and age groups. A percentage of men, women and couples have been impacted by the downturn in our economy. Others simply fail into the credit card debt trap and increasing number of people is turning to their services due to medical debt.

How Long Does It Take For Consumer Credit Counseling To Help a Person?
Once a person becomes a client, the first step is negotiating with the creditors. This process is streamlined due to the relationships CCCS has established with various creditors. Very few lenders will decline to negotiate with the certified counselors at CCCS. Once that hurdle has been successfully negotiated, the client can then began a repayment plan they are able to afford.

On average it takes them approximately four years to pay off their debts. However, it is not uncommon for people to complete their plans and be debt free much sooner. By taking this debt help route, you can avoid bankruptcy and still stop the debt collectors from calling.

Joel Marks has been helping people get out of debt and avoid both bankruptcy and foreclosure for over fifteen years. Utilizing savvy debt counseling, debt management programs, Federal laws and a team of attorneys, debt counselors and advisors, he has quietly assisted thousands come from under the heavy burden debt. 

 Source: http://debterasure.com/