Consolidate debt with a free debt consolidation analysis.
Reduce debt when you consolidate credit card debt.
Credit counseling services can help your bill consolidation efforts.

Place to consolidate debt with online debt consolidation program

nonprofit debt consolidation

Nonprofit Debt Consolidation - Consumer Credit Counseling

We know how it feels to be up to your neck in Credit Card bills and unsecured debt. If you need some help reducing those bills to one low payment, we can help with our non-profit debt consolidation and free debt consolidation services. To get you out of debt, try using the nonprofit debt consolidation or free debt consolidation. Each loan and service has been carefully hand-picked so we can offer you and your family the best services.

Let our Debt Management-Consultation Services help get your life back on the right track. With one of our respected partners we can help you reduce all those bills to one low payment.

Pay off credit cards and bills.
Lower monthly payments.
Cut credit card bills and unsecured debt in half while Improving your Credit Rating.
Manage and consolidate your bills to one monthly payment.

Improving Your Credit Rating

Finding it near impossible to keep up with all your bill payments? Are you constantly being harassed by creditors? Are your unpaid accounts now being handled by debt collection agencies? Do you fear getting your car repossessed or losing your house?

Your are definitely not alone in this category. Most people face some kind of financial hardship at some point in their lives. Whether it is a family illness of some sort or the unemployment or simply irresponsible spending, it may seem impossible to overcome, but it is not. Simply stated, your financial livelihood does not have to get worse.

If you or someone close to you is suffering from financial problems, here are some options to consider:

Debt Consolidation from a respected company, Budgeting, or claiming bankruptcy. It depends on your debt and your plans for the future in order to determine which option will work best for you.

Budgeting

In order to take control of your financial problems it is important to do an assessment on how much money you make and how much you spend. Begin by listing your total income and then list all of your fixed expenses (expenses that are the same each month) such as your rent, mortgage payments, auto payments or insurance. After that is done, list all the varying expenses you may have per month such as gasoline, entertainment, clothing, etc. Writing down your expenses, even insignificant ones, is an extremely helpful way to track your spending behaviors and determine which expenses are necessary, prioritizing the rest.

Helpful information on budgeting and money management can most likely be found in your public library. Inexpensive budget counseling services are offered in most communities. Your local Yellow Pages, local bank or consumer protection office is most likely to have information about them. Also, many colleges and universities, military bases and credit unions operate nonprofit financial counseling organizations or programs.

Handling the Debt Collectors

Federal law dictates debt collector's actions when contacting or attempting to contact you. The Fair Debt Collection Practices Act specifically restricts debt collectors from contacting you before 8a.m. and after 9p.m. It also prohibits collectors from contacting you at work if they have been informed that you may not be contacted at work. It is unlawful for any debt collectors to make false statements, harass you or use unfair practices when trying to collect a debt. Furthermore, all debt collectors must honor a written request from you to stop contact.

Debt Consolidation and Credit Counseling

If you have problems creating and sticking to a realistic budget and/or can't keep track of your accumulating bills, you should consider contacting a debt consolidation/credit counseling service. Creditors are sometimes willing to accept reduced payment plans from reputable debt management/credit counseling organizations.

Free Debt Analysis - Save up to 50%
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