Credit counseling services are more than likely a scam in the majority of cases, which is unfortunate. In the Cleveland area, there are very few credit counseling services at all, but most of them are illegitimate.
There are legitimate credit counseling services in Tennessee. Look for services that offer consumer education, ways to regain control over your financial situation, and a debt management plan.
My opinion: the best you're going to get is "semi-legit". They may do what they say, but only for huge fees. The industry as a whole doesn't have a good reputation due to companies no paying your bills on time and charging huge fees for the "privelege".
FIA card services is legit, its just another name for, we handle all credit cards besides discover cards.
Be wary of many debt counselors claiming to help you as this could be a scam. http://credit.org/ is a good place to get information on getting help with your debt and may lead you to legit credit counseling companies that will help you without robbing you blind.
Most things on the internet that are for sale are not legit if you buy them with a credit card, however: steam, amazon, ebay, etc. are legit. Just be careful with your credit card.
About as legit as a three dollar bill.
Yes
The 3 Credit Bureau is extremely legit. I looked at my credit and they had it exact. You should definitely believe in them and don't give up. If you give up now then you may miss a good opportunity.
Look for a debt counseling agency closest to you by using a search engine online, and perhaps look for reviews previous customers have used.
No, you get to pay your bills with your credit card through these guys - you have to pay a little bit for their services (2-3%), but you get tons of miles and points that way when you're using your credit card for everything. So it really pays for itself. The thing is you need to be REALLY responsible with your bills for this to be effective for you!
Palmerpay.com is a legit website that specializes in civil recovery. This means they are able to collect debt. Their website allows you to pay by credit card or electronic check.
Yes, but avoid since interest is exorbitant.