Answer
The first sitting is usually free. You can discuss your personal financial situation with a professional credit counselor. This will involve a frank discussion about your earnings, assets, expenses, liabilities and current credit card situation. After reviewing your financial situation, debt counselors will offer you several plans you could opt for to settle your debts in the quickest possible manner. If you choose to consolidate your debts using their services, the charges could be something like around $40 one-time payment and about $3.00 a month per account.
Answer
I think every financial company will provide you guidance which will be free.
You should directly contact companies instead of getting others suggestion because everyone's debt is different .
The rate of interest you are offered by these companies always remains much lower to that of all your existing debt. With the financial process you reduce your debt burden by 50% to 60% and also before time then you yourself can pay off.
I was also indulged in taking others guidance but instead its more useful to directly approach companies.
consolidation debt program
A debt consolidation company gives the customers counseling and solutions in debt settlement, credit counseling, and budget management. You can opt for non-profit agencies or paid ones.
There are several websites that offer free debt consolidation sevices. These sites are CareOneCredit, DebtConsolidationCare, and ConsumerCredit. You can get free counseling at these sites.
There are a variety of debt management programs available in California. Groups such as California Debt Consolidation can point you in the right direction.
American Consumer Credit Counseling provides credit counseling, debt management, debt consolidation and financial education services to consumers nationwide.
The advantages of obtaining a debt consolidation counseling is that they will be able to give professional advice. They have seen many different scenarios and know the best actions to take.
There are two ways one could consolidate debt online. The first would be by contacting a bank and obtaining a debt consolidation loan. The second would be through a credit counseling service such as Consumer Credit Counseling.
Some services that are available to ease debt consolidation include National Debt Relief, DebtWave Credit Counseling, Premier Debt Help, and InCharge Debt Solutions. National Debt Relief is the highest rated of all of the services listed.
Credit counseling If you're struggling to manage your debt, credit counselors can also set you up with a debt management plan. Credit counseling agencies typically have contracts with creditors with lower interest rates than what you may be currently paying. debtredemption
The consolidation specialists can be found at any of the myriad of credit counseling agencies that are found countrywide. Consolidation is a mainstay of the credit counseling agencies because that is one way of placing many bills into one payment at a reduced interest rate.
There are different places online to find information about debt consolidation. Most banks will be able to supply this information, or you can contact places like Consumer Counseling or Debt Free for help.
Debt counseling CAN be expensive, but there are many debt consolidation organizations that are available for free. They started to pop up back in 2000, and since then they have helped millions of people refinance their loans to a more manageable rate.