When you’re struggling under the financial burden of too much credit card debt, it can feel like you’re completely alone. Many people even feel like they have to handle financial difficulties themselves—even when the problem is too big for one person to tackle on their own. This is where credit counseling provides the support and the help you need to improve your situation and get your finances back on track.
You don’t have to suffer with a debt problem alone. Give us a call at to speak with a certified credit counselor and get the help you need. Your credit counselor can assess your budget, review your credit report, and provide advice to help you choose the right debt relief option for your finances.
What does a credit counselor do?
Credit counseling always starts by reviewing your financial situation so the counselor can get an accurate picture of your finances. This includes reviewing your monthly budget, taking a full assessment of your debts, and checking your credit report to see where you are in relation to where you need to be. Any credit counseling consultation is completely confidential, so you can feel comfortable and confident that your information is safe while you get the help you need.
Once you and your credit counselor have reviewed your finances, the credit counselor will provide advice and direction on which debt relief option may work best for your unique financial situation. Every client’s situation is different, but trained credit counselors are experts at managing debt and providing information on debt relief options you may not have even considered.
If after assessing your budget you and your credit counselor decide that a debt management program is the best option to get your finances back on track, the credit counselor can enroll you in the program. They will then stay with you throughout your program to answer any questions you have or provide the financial education you need to better maintain a budget—so once you complete the program and get out of debt, you can stay that way.
When is the right time to contact a credit counselor?
Ideally you want to contact a credit counseling agency the moment you realize you’re having financial difficulty. Many debt relief options are only viable in certain circumstances so the worse you let your situation get, the fewer debt relief options you’ll have available to you. That’s why it’s important to act quickly so you can ensure you have access to as many debt relief options as possible. If you’re having problems with your finances, give us a call at to speak with a certified credit counselor today.
What are the benefits of credit counseling?
The main benefit of credit counseling is providing the information and services you need to get your finances on track. Whether you need help reducing credit card debt, improving your budget, or simply need answers about how to manage your money successfully a certified credit counselor can provide the help you need. Credit counselors also act as a partner to provide support as you work your way through a debt management program, so you don’t have to feel like you’re alone with your debts.
Credit counseling can even provide these benefits at minimal cost to you. Nonprofit credit counseling agencies are dedicated to helping you find solutions without adding another bill on top of your already troubled finances. With the right help from the right credit counseling agency, you can get out of debt and start on the path to a brighter financial future.