Q&A: How will my credit be negatively affected if I use Non-Profit Cons Credit Counseling to help me with 1 Bill?
Posted by admin in Credit Counseling on January 11, 2012
Question by : How will my credit be negatively affected if I use Non-Profit Cons Credit Counseling to help me with 1 Bill?
Until losing my job I never was late on bills but 1 company (Home Depot) will not work with me on their Extremely High monthly finance charges & extremely High Interest Rates. With the help of the non-profit Cons Credit Counseling Service I will pay it off sooner so in effect won’t that balance out any negative marks that going through them may cause?
Best answer:
Answer by CatDad
You may want to enter into a non profit debt management plan like Consumer Credit Counseling Services (CCCS). They can negotiate reduced interest and payments. They will require you to stop using all credit and to cut up your cards. Your credit report will be updated to “enrolled in debt management.” This does not damage your credit, but it may make it difficult to obtain new credit while you are enrolled in their program….so don’t use this service if you anticipate applying for a new apartment, car loan or mortgage anytime soon, as you would might be denied while you’re enrolled in the CCCS debt management program…You can get a referral at: http://www.nfcc.org
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Can bill collectors still call even if you are with consumer credit counseling?
Posted by admin in Consumer Credit Counseling on January 9, 2012
Question by : Can bill collectors quiet call even if you are with consumer imputing counseling?
I do advised the bill collector that we are on the program.
Best answer:
Answer by CatDad
Yes….if they have decided not to participate in CCCS program then it’s their right to continue with collection activities.
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Prepare for Black Friday and Cyber Monday: Consolidated Credit Counseling Services, Inc. Offers 10 Tips to Curb Overspending
Posted by admin in Credit Counseling on January 7, 2012
Prepare for Black Friday and Cyber Monday: Consolidated Credit Counseling Services, Inc. Offers 10 Tips to Curb Overspending
Ft. Lauderdale, FL (PRWEB) November 16, 2011
Black Friday and Cyber Monday shopping are expected to soar as 225 million consumers flock to retailers and websites to try to land the best deals. With the average person spending about $ 700 on holiday gifts this year, the money experts at Consolidated Credit Counseling Services, Inc. offer 10 tips to curb overspending this holiday season.
“Consumers must remember they may end up in worse shape in the hanker-run, by overspending this holiday season,” warns Howard Dvorkin author and founder of Consolidated Credit Counseling Services, Inc., a fiscal literacy provider that has helped more than 5 million Americans pay forth their credit card debt. “The retail industry spends billions of dollars every year to influence Americans to think they need certain corporeal things to be happy. When people buy into manipulative marketing tactics, they aren’t as conscious of their spending and how large their debt will be,” says Dvorkin.
Consolidated Credit offers 10 tips to curb overspending:
1. Make a plan – Consumers are advised to make a list of who they are shopping for and what items they plan to buy for people on their name. Planning helps individuals from getting distracted by “bargain” ploys.
2. Create a budget – Use Consolidated Credit’s holiday spending planner worksheets to intend holiday spending. Know ahead of time exactly how much is in the budget. As items pile up in shopping carts, shoppers should keep a running total. For vacationing shoppers with children, aid them set a budget for gifts and prioritize their buying within that budget.
3. Check return policies – Stores are cracking down on their return policies this vacation. Even with a receipt, shoppers may find it difficult to make an exchange or get a refund. Read and inquire about a store’s return/exchange policy before purchasing anything duplicate check if the online policy is the same as in-binning. Shoppers are also advised to know the ins-and-outs of their credit card provider’s fraud protection in the case of theft.
4. Mobile apps – Mobile apps can save significant time and money. Free mobile shopping apps this holiday season are: Shopkick (Android and iPhone), RedLaser (Android and iPhone), Google Shopper (Android), ShopSavvy (Android and iPhone), Points Inside (Android and iPhone) and Key Ring Rewards (Android and iPhone).
5. Beware of shipping costs – Cyber Monday deals may seem sweeter than they actually are if you forget to consider shipping costs. Many retailers may levelling ship multiple items – individually incurring separate send fees. Try purchasing from sites such as Overstock.com where only one shipping fee applies or BestBuy.com which offers loose shipping done the holiday flavour.
6. Pay with credit – Credit cards are good when used responsibly. Shopping with plastic offers greater security protection. If there are problems with purchases, consumers may be able to get their credit card companies help in obtaining a refund. Plus, if they have a credit card reward program, they could rack up points while shopping.
7. Know sizes and measurements – Shopping for clothes or shoes online can be tricky, it is important to know exact measurements and sizes. We recommend shoppers buy brands that they are familiar with.
8. Shop reputable websites – Shop familiar online retailers. When shopping on a website that is not good-known, we advise to search the place and be cautious. Online shoppers must understand that when they give their credit card information there is always an amount of venturing. Never shop online without a secure and private Internet connection. Shopping via WIFI connections at public places is a no-no when it comes to online buying. Look at the URL of the website — if it starts with https:// you’re on an unafraid page, without the s the connection is unlatched.
9. Shop the day before Black Friday – Many retailers prove out a sale to see if it will be successful. For example, Target stores across the country will be open Thanksgiving from 8 a.m. to 2 p.m. testing out shopping intentions. Always ask in advance about any possible pilot sales, especially when shop for big ticket items.
10. Safety first – Take safety precautions and watch your personal belongings at all times. Mentally locate the nearest security office or officers in case an emergency occurs. For distaff shoppers, carry cross-body purses that cannot be easily snatched by thieves. Stores are not responsible for lost or stolen items — it’s up to the individual to be aware of his/her surroundings.
For more holiday tips, visit Consolidated Credit’s personal seed blog Miss Money Bee.
About: Consolidated Credit Counseling Services, Inc., founded in 1993, is one of the nation’s largest credit counseling organizations in the country and has helped over 5 million people with financial issues. Their mission is to help families throughout the United States in ending financial crisis and solving money management problems through education and professional counseling.
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Financial Educator of The Year Named by NFCC
Posted by admin in Consumer Credit Counseling on January 5, 2012
Financial Educator of The Year Named by NFCC
Washington, DC (PRWEB) September 28, 2011
Providing financial education to Americans can be challenging. Providing it to a group of people from a country where credit is scarcely used, banking accounts are rare, and most have never made a rent or house payment takes a special person. That person is Sandy Joel, the National Foundation for Credit Counseling (NFCC) 2011 Professional Achievement and Counseling Excellence (PACE) Educator of the Year.
The Republic of the Marshall Islands, Sandy’s homelands in the South Pacific, has one of the world’s worst economies, with an unemployment rate of close to 40 percent. Such conditions have brought an estimated 10,000 Marshallese to northwest Arkansas, making it the largest concentration of Marshallese citizens outside the Marshall Islands.
A compact with the federal government allows Marshallese to travel freely and work in the United States. This arrangement, along with the dream of economic opportunity, led Sandy Joel to the U.S. in 2003. “Coming here was very, very hard,” comment Joel. “I did not understand a lot of things, such as how to live, how to handle money, how to rent or buy a home. I had to figure it out on my own.” The personal experience of overcoming a lack of basic financial skills changed Sandy’s life, resulting in changed lives for thousands of other Marshallese in America.
As the lead Marshallese educator for NFCC Member Agency, Credit Counseling of Arkansas, Joel developed curriculum specific to the Marshallese culture. Exceptionally innovative, Sandy uses unique methods to communicate. For example, to educate around smart shopping practices, she brings milk cartons to display where expiration dates are posted.
In 2010, she delivered 590 financial education seminars, reaching 18,246 attendees during that one year. To further her outreach, Joel regularly posts financial education tips on Marshallese websites.
Joel is a recognized expert in her field, and is often called upon by leaders locally, nationally and globally. Marshall Islands President Jureland Zedkaia gave her a special commendation, while the First Lady of the Marshall Islands, Hannah Jurelang Zedkaia, has participated in many of Sandy’s seminars. Joel is the leader of the Women’s Fellowship for 12 churches and says, “My doors are always open to the people. When people from my country are in trouble, it breaks my heart. This is why I try my best to teach anything that can help them.”
Joel has a tireless work ethic. Often her outreach efforts begin the moment new Marshallese arrive in Arkansas. Once greeting the newcomers, the acclimation process begins. One of the first tasks is to obtain a Social Security Number through the consulate, followed by personally escorting new residents to banks, translating and explaining processes and terms to help them establish accounts. So far this year Joel has personally assisted more than 75 Marshallese people establish a banking relationship, introducing them to basic financial concepts such as opening a checking or savings account.
“Sandy understands the distinct disadvantage the Marshallese face because of complete unfamiliarity with our banking and credit systems,” said Mike Robards, executive director of Credit Counseling of Arkansas. “She is passionate and is fully committed to protecting, learning and encouraging her people to ensure they have the basic fiscal skills and knowledge that will allow them to financially survive in their new country.”
Special thanks to Citi and Experian for their contributions in support of the PACE Award program.
The National Foundation for Credit Counseling (NFCC), founded in 1951, is the nation’s largest and longest serving national nonprofit credit counseling organization. The NFCC’s mission is to promote the national agenda for financially responsible behavior, and build capacity for its members to deliver the highest-quality financial education and counseling services. NFCC Members annually help more than three million consumers through close to 800 community-based offices nationwide. For free and affordable confidential advice through a reputable NFCC Member, call (800) 388-2227, (en Español (800) 682-9832) or visit http://www.nfcc.org. Visit us on Facebook: http://www.facebook.com/NFCCDebtAdvice, on Twitter: twitter.com/NFCCDebtAdvice, on YouTube: http://www.YouTube.com/NFCC09 and our blog: http://financialeducation.nfcc.org/.
Contact: Gail Cunningham
(202) 677-4355 – direct
(240) 672-2700 – cell
gcunningham(at)nfcc(dot)org
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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
Michigan Couple Refuses To Walk Away From Debt Obligations
Posted by admin in Consumer Credit Counseling on January 3, 2012
Michigan Couple Refuses To Walk Away From Debt Obligations
Washington, DC (PRWEB) September 28, 2011
Many people would walk away from $ 92,000 in credit card debt, but not Jerry and Sue Bailey, who were recently honored with the National Foundation for Credit Counseling (NFCC) Professional Achievement and Counseling Excellence (PACE) Clients of the Year Award.
The Jackson, Michigan twinned was committed to repaying their debt obligations in spite of having had bankruptcy recommended to them. Searching for alternatives, their imputed union advise they reach out to NFCC Member Agency, GreenPath Debt Solutions. Taking that advice began their journey to financial freedom.
Their fiscal troubles were deep, with debt spread across 17 credit cards. Jerry recalls, “It was so easy to get a credit card with a high limit at the time.” Jerry was the bill-payer in the family, leaving Sue unaware of their financial situation until Jerry suggested to her that she put the cost associated with their daughter’s wedding reception on attributing. Looking back, she realizes that should have been a clue.
The Baileys will be the first to acknowledging that paying off that much debt was a struggle, but a fighting worth making. While on the Debt Management Program, Sue postulating surgery, putting her off work for six months. Jerry had already taken on a second job, and they had sold one car because they could not afford to repair it, so the loss of Sue’s income seemed insurmountable. It was at that point that GreenPath again came to the delivering by contacting their creditors who agreed to once more adjust their payments until Sue could return to work.
A stunned Jerry commented, “When we have the call from GreenPath informing us that our debts were nonrecreational in full, I had to ask them to repeat it. We are forever in debt to GreenPath, but that’s a kind of debt we don’t mind.”
“We are so pleased that the Bailey’s were chosen as the 2011 NFCC PACE Clients of the Year,” said Jane McNamara, president and CEO for GreenPath Debt Solutions. “With GreenPath’s help, they developed and implemented a plan to successfully pay off their debts. They are a shining example of how hard work and perseverance can really pay off through a debt management program. “
Special thanks to Citi and Experian for their contributions in support of the PACE Award program.
The National Foundation for Credit Counseling (NFCC), founded in 1951, is the nation’s big and long serving home non-profit-making credit reding organization. The NFCC’s mission is to advance the home agenda for financially creditworthy behavior, and make capacity for its members to present the high-quality fiscal education and advising services. NFCC Members yearly assist more than three million consumers through nigh to 800 community-based offices countrywide. For complimentary and low-cost secret advice through a reputable NFCC Member, name (800) 388-2227, (en Español (800) 682-9832) or visit http://www.nfcc.org. Visit us on Facebook: http://www.facebook.com/NFCCDebtAdvice, on Twitter: twitter.com/NFCCDebtAdvice, on YouTube: http://www.YouTube.com/NFCC09 and our blog: http://financialeducation.nfcc.org/.
Contact:
Gail Cunningham
(202) 677-4355 – direct
(240) 672-2700 – cell
gcunningham(at)nfcc(dot)org
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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
National Foundation for Credit Counseling Adds New Member
Posted by admin in Credit Counseling on December 31, 2011
National Foundation for Credit Counseling Adds New Member
Washington, DC (PRWEB) November 11, 2011
The National Foundation for Credit Counseling (NFCC) is proud to welcome Novadebt to the NFCC network of nonprofit credit counseling agencies.
“We are delighted to welcome Novadebt as the newest member of the NFCC,” said Susan C. Keating, president and CEO of the NFCC. “Novadebt has for years demonstrated its commitment to quality credit counseling and will be a strong asset to the NFCC. Given the challenging fiscal circumstances of so many Americans, it will be our shared goal to expand the solutions for clients to achieve greater financial stability.”
Novadebt, founded in 1991, assisted more than 130,000 consumers over the last year through counseling, educational workshops and community outreach programs, helping to move them from financial distress into financial wellness. During the same timeframe, more than 340,000 pieces of free fiscal education materials were distributed.
Novadebt is a non-profit fiscal management societal service organization, providing costless fiscal and housing counselling services through their 160 certified counselors. Counseling is provided in-person or by phone, with the consumer taking the delivery channel that better meets their needs.
Enjoying an A+ rating from the Better Business Bureau, the company demonstrates a customer-focussed, unrelenting commitment to quality and customer satisfaction. The primary mission of the organization is to assist families and individuals in need by providing gratuitous financial education, community outreach and housing and assigning counseling services.
Novadebt is a HUD-sanctioning housing counseling agency, is certified by the Council on Accreditation, and is an Executive Office of the United States Trustee (EOUST) approved provider of the mandated bankruptcy pre-filing counseling and pre-discharge education.
“Through our membership in the NFCC, Novadebt expects to broaden our reach providing empathetic, and highly skilled service to individuals and families who face financial crisis,” said Joel Greenberg, President and CEO of Novadebt. “In these times of historic need, the NFCC has played an important role in the delivery of these necessary services. Novadebt looks forward to our new partnership with such a well-respected organization.”
The National Foundation for Credit Counseling (NFCC), founded in 1951, is the nation’s large and long serving home non-profit-making credit counselling organization. The NFCC’s mission is to further the home agenda for financially creditworthy behavior, and make capacity for its members to present the high-quality fiscal education and reding services. NFCC Members yearly assist more than three million consumers through near to 800 community-established offices countrywide. For gratis and low-priced secret advice through a reputable NFCC Member, name (800) 388-2227, (en Español (800) 682-9832) or visit http://www.nfcc.org. Visit us on Facebook: http://www.facebook.com/NFCCDebtAdvice, on Twitter: twitter.com/NFCCDebtAdvice, on YouTube: http://www.YouTube.com/NFCC09 and our blog: http://financialeducation.nfcc.org/.
Gail Cunningham
(202) 677-4355 – unmediated
(240) 672-2700 – cell
gcunningham(at)nfcc(dot)org
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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
Lake Trust Credit Union Provides Michigan Educators with Unique Opportunity
Posted by admin in Credit Counseling on December 29, 2011
Lake Trust Credit Union Provides Michigan Educators with Unique Opportunity
Eaton County, MI (PRWEB) November 10, 2011
Lake Trust Credit Union has awarded Michigan Educator Jamie Hess, high school teacher at Eaton Intermediate School District, funding through the organization’s Professional Development Award Program.
The Professional Development Award Program, established by Lake Trust in 2010, provides financial assistance to Michigan educators for out of classroom/school professional development opportunities such as workshops, association conferences, and training.
Since 2010, Lake Trust has supported 21 counselors and teachers in receiving the specialty training like that provided at the All Michigan Counselors Conference, which Hess attended in Kalamazoo, MI on November 6-7th.
Hess has been working as a student services coordinator/counselor for two years. Prior to counseling, she was a classroom teacher.
“I am still very new to the counseling handle and eager to learn as much as I can to enhance my services to the students I serve,” says Hess. “My goal as a school counselor is to provide each student I serve with the best possible service, so they are prepare to enter post-secondary education and the workforce; I desire to give them the opportunities necessary to be successful.”
Nicole Piche, Student Program Specialist at Lake Trust Credit Union, appreciates the opportunity to help provide this resource for today’s educators.
“Jamie is very deserving of this award and we’re very excited to be able to help to provide this unique opportunity to her and other Michigan educators,” says Piche. “Lake Trust is committed to supporting financial education and college access efforts in Michigan schools.”
Funding for next year’s Professional Development Award Program begins February 1, 2012. Interested educators may email npiche(at)laketrust(dot)org and request an application.
Lake Trust strongly believes in supporting education in the communities it serves. Earlier this year, the Credit Union awarded $ 11,000 in scholarships to area high school students in the 21 branch communities around the state. In addition, the Credit Union conducted several seminars to help parents and students prepare for college and understand their award letters.
Lake Trust Credit Union is headquartered in Lansing, MI, and serves about 153,000 members from Lake Michigan to Lake Erie and Lake Huron, with branches in more than 20 communities throughout the state.
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Related Credit Counseling Press Releases
What Credit Counseling company is the best?
Posted by admin in Credit Counseling on December 27, 2011
Question by Alaina: What Credit Counseling company is the best?
My debt is under control after a year-long struggle. Now I’m looking for an attributing counseling service to help me improve my credit score. Can anyone recommend one?
Best answer:
Answer by bdancer222
Credit counseling companion don’t improve your score. They work on helping you pay off your debt. Check here for a NFCC credit counseling member: http://www.nfcc.org/. These are legit, non-gain companies that offer debt management plans for a nominal fee.There are all sorts of credit repair companies out there. Almost all of them are pure scam. There is no way to fix badly credit. You just have to wait for the negative item to age off.If you are carrying balances on credit cards, pay them off. Carrying balances of more than 30% hurt your score. Pay off the balances and your score will get a boost. Otherwise, it’s a matter of paying everything on time. You need at least 24 months of consistent, on-time payment history to improve your score.
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Prestige Financial Solutions Recommends Having an Emergency Fund
Posted by admin in Consumer Credit Counseling on December 25, 2011
Prestige Financial Solutions Recommends Having an Emergency Fund
Denver, Colorado (PRWEB) September 28, 2011
In life you should expect the unexpected, and this is why you need an emergency fund. The best you can do is to prepare for emergencies that require access to additional money and having an emergency fund is the ideal solution. Financial emergencies can come in the form of a job loss, significant medical expenses, home or auto repairs or something you’ve never dreamed of. The last thing you want is to be forced to rely on credit cards or a loan which could simply compound the problem. Prestige Financial Solutions has comprised a list of ideas you can use to start building an emergency fund.
How much should you save?
Most experts agree that you should keep between three and six months worth of your living expenses set aside in your emergency fund depending on your specific situation. The reason you want to have three to six months of expenses saved up is that the most common reason for the need of an emergency fund is a sudden loss of income. If you or your spouse loses a job you still have bills to pay and it may take a few months to find suitable new employment. It is best to plan for a worst-case scenario so that the smaller emergencies such as replacing the hot water heater that just went out will be easily covered. One way to figure out how much income goes to your expenses and non-essentials is to make a debt ratio list.
It may seem daunting to save three to six months worth of expenses, so start small. Set your initial goal at one month’s worth of expenses, and then build from there.
How to get started:
1. Open a new savings account for emergencies only. Have part of your paycheck deposited in this account automatically. Start small and increase the amount from there once you have gotten use to not having those funds available to you.
2. Anytime you pay off a debt, whether it was a credit card, car loan, etc… begin depositing the equivalent of that monthly payment into your savings. You have already become used to not having those funds available so this is a great way to boost your emergency fund.
3. Anytime you can negotiate lower payments on other debts, you can deposit the savings into your emergency fund.
4. Evaluate your budget to identify areas where you could be spending less. These save should be deposited into your emergency fund.
If you are in a situation where you absolutely cannot save money for emergencies:
1. Create a monthly budget by reviewing income and expenses to determine how much you can afford to pay toward your credit tease bills. You can use the debt calculator on our website (listed below) for additional help.
2. Once your budget has been determined, you can explore your options, such as:
Pay creditors more than the minimum amounts. Get a consolidation loan to pay off all cards. Explore credit card counseling programs to see if they can reduce your principle while maintaining an affordable monthly payment. Research debt relief programs, and look specifically for programs that do not charge upfront fees and can eliminate your principle balance within 36 months or less. Declare bankruptcy; a last resort due to length and cost of the process and the effect it will have on your financial well-being.
Prestige Financial Solutions strongly recommends consulting with a debt advisor to help you assess your situation and further explain your options. To find reputable companies who may be able to help you, visit the Better Business Bureau’s website. Consumers should be well-informed and ask questions, as there are pros and cons to each option.
“Anxiety caused by credit card debt tin be a highly emotional situation and people need to be sure they’re working with a reputable, established company that has their best interests in mind,” said Amy Thompson, a founder of Prestige Financial Solutions.
Prestige Financial Solutions is one of the nation’s leading pay-as-you-go debt settlement programs. The program can be found online at http://www.prestigefinancialsolutions.com or by calling 800.441.7297. For our spanish speakers, all you debt needs can be found at our De Deuda website.
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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
San Diego Bankruptcy Lawyers Offering Consultations to Growing Number of Consumers Unable to Pay Monthly Obligations
Posted by admin in Credit Counseling on December 23, 2011
San Diego Bankruptcy Lawyers Offering Consultations to Growing Number of Consumers Unable to Pay Monthly Obligations
San Diego, CA (PRWEB) November 10, 2011
The San Diego bankruptcy attorneys at the law firm known as the Golden State Law Group hereby announce that the firm is providing free initial consultations for the growing number of American consumers who are unable to pay their monthly obligations according to a recent survey that was published by the National Foundation for Credit Counseling. Troubled consumers are advised to contact the San Diego bankruptcy lawyers at the firm as soon as possible to have their financial situation reviewed.
According to the survey that was released by the National Foundation for Credit Counseling, 28 percent of American consumers who were surveyed regarding several different financial questions admitted that they do not always pay their monthly obligations on time. Several reasons were offered by the consumers who answered this question in the affirmative, and the most common reason was that they simply lacked the funds to make these payments in a timely fashion.
The San Diego bankruptcy attorneys at the Golden State Law Group additionally advise consumers who are having trouble paying their monthly obligations that a regular failure to make these payments in a timely fashion could result in derogatory entries on their credit reports, lower credit scores and relentless collection efforts by the creditors who are not being paid on time. These developments could harm a consumer’s ability to obtain a loan in the future or perhaps to be hired for a job, which is why the firm is offering a free initial consultation to review possible strategies to avoid these results.
About the Golden State Law Group
The Golden State Law Group is a law firm that’s comprised of San Diego bankruptcy lawyers who have helped consumers in financial trouble deal with bankruptcy issues that include Chapter 7 bankruptcy cases, Chapter 13 bankruptcy cases, tax debt issues, mortgage issues and San Diego car accident cases.
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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
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