Living Frugal
Needing Help with Debt Problems

You need help with debt problems. You're tired of all the debt collection letters and phone calls. You're in debt way over your head and you're not sure what to do about it and it just keeps mounting.

I know, it gets old and you wonder how you even got to this place? You can get help and it shouldn't be something you're embarrassed about. There are many people in the same boat.

You may want to consider debt counseling. A debt assistance service is either very low cost or sometimes free. A debt assistance service is there solely for the purpose of helping you with your debt problems. You give them problems, they offer solutions.

There are many firms out there to choose from but you want to be sure you work with an agency that is a "Certified Consumer Credit Counselor".

A Certified Consumer Credit Counselor is an expert that works with you confidentially to find debt relief programs suitable for you. They will help you understand your situation and what it will take to get back to living in financial freedom. The ultimate goal is to work toward a plan that will cover your necessary expenses as well as payments to your creditors.

When you contact the debt counseling agency, they will let you know any information that is needed for the counseling session. This gives you ample time to gather the financial documentation needed to have a successful debt counseling session.

In most cases, the Credit Counseling Agency will assist you in working with your creditors to stop legal action and work toward finding debt relief solutions that will work with all parties involved. This is not a guarantee but if you keep your payment arrangements with the credit counseling agency, the majority of the collection calls may stop.

The Credit Counseling Agency will not working on cleaning up your credit report. Any negative items on your credit report are there to stay for at least 7 years. The Credit Counseling Agency is there to help with debt problems and you get back on your feet. Their debt relief programs are designed so that you can live and pay back your creditors.

Credit Counseling Services are low cost or free. To find out more information, visit the Department of Justice Website for a list of approved credit counseling agencies by state and judicial district to help with debt problems.

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