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Where can a consumer find non profit credit counseling in the Toronto area?
Wiki User
∙ 10y ago
When looking for credit repair counseling in Toronto, it is advisable to first see the Ontario Association of Credit Counselling Services, or, OACCS, who set the standards for the qualifications and hold a database of approved counselors. Another useful organisation is the 'Financial Consumer Agency of Canada'.
Wiki User
∙ 10y ago
Wiki User
∙ 10y agoThere are many websites whereby a consumer can find non profit credit counseling in the Toronto, Canada area. These include the official "no more debts" organisation website.
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Where can I find consumer credit advice?
You can get consumer credit advice from any non profit institution that offers free credit counseling for low income people. You can also get it from your bank or credit union.
How can one apply for a non-profit consumer credit counseling service?
When one wants to apply for a non-profit consumer credit counseling service, one might want to notify the Federal Trade Commission first to find out what steps must be followed to become a legitimate business.
Where can one find non-profit credit card consolidation?
One can find non-profit credit card consolidation by visiting the Consumer Credit Website, a company that specialize professionally in credit and debt counseling.
Are there any credit counseling services that are non-profit?
ConsumerCreditCounsling is a non profit credit counseling service. They do charge a nominal fee for their services.
What companies offer credit counseling and debt consolidation services?
Founded in 1951, the National Foundation for Credit Counseling (NFCC) continues to grow and provide free credit counseling. NFCC is a non profit organisation that provides free or low cost individualized, confidential counsil crediting in person, by phone or by email
Where do companies get their consumer credit information?
Credit bureaus, also called credit reporting agencies (CRAs), are companies that collect and maintain consumer credit information. The three major CRAs in the U.S. are Equifax, Experian, and TransUnion, and they are all publicly traded, for-profit companiedebtredemption.
Where to go for bad credit counseling advice?
are experts in the credit repair field and helps individuals meet their credit goals. process has been been developed, refined and proven over many years and thousands of customers .com/deals/creditrepair/othmanbouarsa
What are the advantages of consumer credit counseling as a way of getting free from debt?
In general, when dealing with a non-profit credit counseling service their services are going to be free or low cost which can be a huge benefit to the consumer. The assumption would be that the non-profit is more interested in helping you than in making themselves a profit. They are still required to abide by all other laws and regulations that govern businesses. However, they can be run as efficiently, or as poorly, as any other organization. When searching for a non-profit you can look for the same accreditation from organizations such as the Better Business Bureau, etc. Most non-profits have websites that can be found online. You can tell by the website name which almost always ends with .org (which stands for "organization") rather than .com (which means "commercial"). A non-profit status for an agency does not mean they do not make a profit. It means the profit they make is used to fund their ability to provide more services to the public. The surplus money does not go into the pockets of its shareholders or management. Having a non-profit status means they are certified by the government as non-profit and therefore exempt from paying taxes. The reason they are granted that status is because they are providing services to the public that the government would otherwise be providing or paying for. The government is willing to make them tax-exempt because they are actually saving money for the services they do not have to provide. Non-profits provide benefits to the public and they are usually the first place you turn if you have an emergency and need food, shelter, clothing, education, or medical care. The American Red Cross is a good example of a non-profit agency. When checking out a non-profit's website be as careful as you would with any other organization. Scan their home page; search for other organizations they are affiliated with; and search for national organizations from which they are accredited. Look for many articles that explain or educate you about credit counseling and their services. If you are educated before you contact them, their job is easier and so is yours. A list of approved credit counseling agencies by state and judicial district is available on the U.S. Trustee Program website and will also tell you where to take the courses to prepare for bankruptcy. To help you choose an approved credit counseling agency, the Federal Trade Commission offers facts for consumers that provide helpful suggestions for finding the best counselor for you. They also offer a list of "must do" items for anyone who is on a debt management plan most of which are appropriate for anyone in credit counseling. There are some for-profit business that offer non-profit debt consolidation. CreditGUARD of America, Inc. is an independent, non-profit credit counseling agency that provides debt counseling to consumers throughout the United States. The agency you choose does not have to be local to you, but if you do not have ready access to a computer it should be.
What is the largest non-profit debt consolidation help company in the United States?
There are literally thousands of these types of companies, but Consumer Credit Counseling Services is the largest and most popular. InCharge.org is also well-reviewed.
Where can one find advice on credit improvement?
The best, but little known resource for credit improvement can be found at Family Credit, a fully accredited credit counseling non profit organization based out of the United States. If you qualify for their services, Family Credit will work with your past creditors to lower your fees and improve your credit score. Family Credit receives an A+ rating from the Better Business Bureau, the leading consumer review organization in the United States.
Who do I need to talk to about debt counseling?
If you absolutely need debt counselling (e.g. to fulfill the new requirements for bankruptcy), then call a nonprofit Consumer Credit Counselling Service (CCCS). Don't bother with for-profit outfits, as they have bad reputations.
Where can one find non profit credit counseling services?
You can find credit counseling services in a telephone book, talking with friends who may know of these services, your local library, your church pastor and perhaps your family doctor.
