Nonprofit Credit Counseling Service

National Nonprofit Credit Counseling Organization Expands Offices in Southeast

Compass/CCCS has three offices in Greenville, Spartanburg and Greenwood.  Its CCCS program was started in 1971 and provides budget, credit, and pre-filing bankruptcy counseling, debtor education and debt management plans.

“This is exciting news for both organizations.” said Suzanne Boas, president of CredAbility. “We provide many of the same services and share the same values. Combining the Compass/CCCS program with CredAbility will enable us to serve additional clients in the southeast.”

“We are pleased that our CCCS program will join a national nonprofit credit counseling agency that can provide our clients with additional services,” said Thomas Bannister, president of Compass of Carolina. “The addition of CredAbility’s housing counseling services, its 24/7 convenience and its bilingual staff will benefit many residents of upstate South Carolina.”

Understanding Your Net Worth

Determining your net worth is as important as knowing how much you owe. This article will help you understand the value of your assets and your liabilities in dealing with financial challenges.

What is Bankruptcy?

If you are having problems paying bills or being threatened by creditors with lawsuits, wage garnishment or property seizure, this article will help you understand the basics of bankruptcy.

read more at Nonprofit Credit Counseling Service

Free Debt Management Plan

It's free. It's confidential. And all it takes is a couple of minutes. To get out of debt sooner than you think.

CredAbility has helped thousands of people get out of debt. Why should you be any different?

For those clients living in the following states or territories: Indiana, Minnesota, North Dakota, Puerto Rico, or the Virgin Islands, we are able to provide Budget and Credit counseling – as well as our other counseling services, but are not able to offer a Debt Management Plan. We can, however, provide you with information on who in your state could provide a DMP. If you would like referral information for your state, please click here.

How Does A Debt Management Plan Work?

The following video was produced under our former name of Consumer Credit Counseling Service.

read more at: Free Debt Management Plan

Debt Management Plan

Getting into debt can happen to anybody. It can start with a job loss, a medical crisis, a natural disaster or even life in general. No one is immune. But once your debt starts to mount, don't rely on just anybody to get you out of trouble.

Become debt-free sooner than you think.

Through our Debt Management Plans (DMP), you can pay off your credit cards, lower your interest rates, eliminate fees and put an end to collection calls - forever. Sound like a plan? Good, because our Certified Credit Counselors can help you get out of debt in four simple steps.

Importance of Saving

Listen as our CredAbilityU experts discuss the importance of saving and tips to keep you on track

Know the Score: Understanding and Improving Your Credit Score

We will explore the importance of a credit score and how it can affect your financial life. You will learn the five critical factors that determine your number, how to deal with errors and tips that may help you increase your score.

read more at Debt Management Plan

Bankruptcy Counseling

This counseling and the subsequent certificate can be received by telephone and online — in both English and Spanish. CredAbility’s counselors are available nationwide, 24/7.

Get started with your bankruptcy pre-filing counseling.

We are glad you chose CredAbility to begin your bankruptcy pre-filing counseling session. We are here to listen, answer your questions and provide the information you need. We strongly urge you to visit with an attorney to discuss the benefits, costs and consequences of filing for personal bankruptcy. And if you are not sure what you need, contact us—we will help you on the right path.

To begin pre-filing bankruptcy counseling, call 800.251.2227 to schedule a telephone or in person appointment or click on the green "Start an online session" button above.

Fighting Back Scams Part I

Taken from our Fighting Back Senior Scams class, Avoiding Scams Part I will address how to recognize consumer fraud schemes, detect and prevent identity theft, and identify mortgage-related abuses.

Fully Covered

Understand the basic types of insurance and why it is important to have the right insurance coverage for your family.

read more at Bankruptcy Counseling

Budget And Credit Counseling

After your session, our support continues with free debt advice and online assistance in everything from how to pay down debt to strategies for successful credit management and how to read a credit report. As always, our reprentatives are here 24/7 to help you build a brighter financial future.

Get out of debt and back on track today.

If you're feeling overwhelmed by your finances, the first step toward regaining control can sometimes be the hardest. We understand that, because we've helped thousands of people just like you. And we're here to help you take your next steps with confidence and hope.

Let's turn this thing around

Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.

Fair Credit Reporting

In this article, you will find out how to get free copies of your credit report, while ensuring its accuracy, privacy and your rights under federal law.

Fair Debt Collection

If you are behind on paying credit cards, personal loans or a home mortgage, this article will explain the laws governing debt collection, so you will know how to be treated fairly, honestly and legally.

Read more at Budget And Credit Counseling Posted by Mario Rivero at 21:15 No comments:

Bankruptcy Debtor Education

I can help you learn what you need.

Our debtor education course will prepare you for a new beginning.

Pre-Discharge Bankruptcy Education
Required by law, before your bankruptcy case can be discharged- which means debts included in the bankruptcy are no longer considered collectible- you must complete Pre-Discharge bankruptcy education. This course lasts two hours. Topics covered include:

• Setting realistic financial goals
• Understanding your credit report
• Obtaining or re-establishing credit
• Managing budgets
• And more

Common Options for Dealing with a Financial Crisis

During this critical time, it is important to remember that bankruptcy is not your only option. From enrolling in a DMP and negotiating to using assets for consolidation, you will examine several alternatives.

Conquering Credit Challenges

Each of us has a responsibility to manage spending. You will learn how to get the right reports from credit bureaus, interpret your credit report, understand the costs of using credit and work with your creditors.

read more at Bankruptcy Debtor Education

Bankruptcy Pre Filing Counseling

This counseling and the subsequent certificate can be received by telephone and online — in both English and Spanish. CredAbility’s counselors are available nationwide, 24/7.

Get started with your bankruptcy pre-filing counseling.

We are glad you chose CredAbility to begin your bankruptcy pre-filing counseling session. We are here to listen, answer your questions and provide the information you need. We strongly urge you to visit with an attorney to discuss the benefits, costs and consequences of filing for personal bankruptcy. And if you are not sure what you need, contact us—we will help you on the right path.

Bankruptcy 101: What Every Consumer Should Know
Learn what it is, how to spot the early warning signs and the differences between Chapter 7 and Chapter 13. Plus, find out how filing can affect your financial life and how to avoid bankruptcy.

Buying Insurance
Listen as our CredAbilityU experts discuss financial tips on how to unravel the mystery of buying insurance.

read more: Bankruptcy Pre Filing Counseling

Housing Pre Purchase

This course will instruct you on how to determine your price range before shopping for a home, understand the additional costs to include when purchasing a home, and determine what your budget is for all your housing costs.

Buying a First Home

Listen as our CredAbilityU experts answer the question financial tips on is now the right time to buy a house?

Buying Insurance

Listen as our CredAbilityU experts discuss financial tips on how to unravel the mystery of buying insurance.

Change Your Financial Fate

In this course, you will learn several methods to build a workable plan to pay-off your debts quickly. You will learn how to prioritize your debts and pay-off secured as well as unsecured debts. Also, we will show you how to effectively track your spending and pay-off your debt and live free of debt.

read more at Housing Pre Purchase

Reputable Credit Counseling

Many creditors offer favorable repayment terms to consumers who enroll in a DMP, including interest rates ranging from 6% to 10% on their credit card debt. These creditors may also eliminate late fees and penalties once a consumer enrolls in a DMP with a nonprofit credit counseling organization.

At CredAbility, certified counselors help consumers determine whether they can tackle their financial challenges through budgeting and reduced spending, or if the structure of a debt management plan will be more effective.

What is a Debt Management Plan?
For a small monthly fee, consumers make a single payment to an agency like CredAbility, which acts as a trustee in distributing the funds to creditors. CredAbility works with both clients and creditors to design a debt repayment program that minimizes monthly payments, interest and related fees, providing a manageable tailored plan for the client. This enables the client to repay their entire debt obligation at more favorable terms, and on a plan that is within their ability to pay.

Fully Covered

Understand the basic types of insurance and why it is important to have the right insurance coverage for your family.

Identity Theft

Listen as our CredAbilityU experts discuss financial tips on ways to avoid a very expensive and troubling worldwide crime called Identity theft.

read more at Reputable Credit Counseling

What is Debt Management

Through our Debt Management Plans, (DMP), you could minimize interest rates and payments to creditors, pay down your debt, eliminate fees and put an end to collection calls.

Getting started on your DMP is easy and can be completed in 4 easy steps.

Step 1 –	Provide the basic personal information necessary for DMP enrollment
Step 2 –	Review your creditors and the benefits of your DMP
Step 3 –	Review your current financial situation
Step 4 –	Finally, we will take a look at your monthly cash flow

The total process will only take a few minutes. If you have any questions, a Certified Credit Counselor is available to assist you as you go through the process.

Know the Score: Understanding and Improving Your Credit Score

We will explore the importance of a credit score and how it can affect your financial life. You will learn the five critical factors that determine your number, how to deal with errors and tips that may help you increase your score.

Making a Five Year Plan

Listen as our CredAbilityU experts discuss financial tips on making a five year plan and more importantly how and why you should do it.

New Resources on CredAbilityU

Listen as our CredAbilityU experts discuss a variety of free resources that can assist you with your personal financial goals.

read more at What is Debt Management

Personal Debt Management

Many people who opt for a DMP to repay their unsecured debt are prompted to seek help after late payments have caused their credit card interest rates to soar. In some cases, a DMP is a sound alternative to bankruptcy. Ultimately, the plan serves the dual purpose of helping consumers repay their debts and helping creditors receive the money owed to them.

CredAbility says that the consumers on its Debt Management Plans in 2010 had higher incomes, more credit card debt and were older than in previous years.

“Many consumers are deciding to take control of their financial lives by working with their creditors to pay down their debt, even if it takes 36 months or longer,” said Vicki Williams, vice president of Debt Management Plan Services for CredAbility. “They realize that this is a more responsible way to reduce debt and rebuild their credit compared to debt settlement or debt consolidation services offered by for-profit companies.”

A Debt Management Plan (DMP) helps consumers who are struggling with credit card debt develop reduced payment programs with creditors. Many creditors offer favorable repayment terms to consumers who enroll in a DMP, including interest rates ranging from 6% to 10% on their credit card debt. These creditors may also eliminate late fees and penalties once a consumer enrolls in a DMP with a nonprofit credit counseling organization.

Conquering Credit Challenges

Each of us has a responsibility to manage spending. You will learn how to get the right reports from credit bureaus, interpret your credit report, understand the costs of using credit and work with your creditors.

Fair Credit Reporting

In this article, you will find out how to get free copies of your credit report, while ensuring its accuracy, privacy and your rights under federal law.

read more at Personal Debt Management

Pay Credit Card Debt

National Nonprofit Credit Counseling Organization Expands Offices in Southeast

The three South Carolina offices are in cities that serve approximately 700,000 persons who will now gain access to an organization with more than 300 credit, housing and bankruptcy counselors accessible 24/7 by telephone and Internet, in English and Spanish.

While CredAbility already provides counseling to consumers in all 50 states, this acquisition enables CredAbility to expand its face-to-face counseling offices to a fifth state in the southeast. CredAbility already has 28 offices in Georgia, Florida, Tennessee and Mississippi.

Fair Credit Reporting

In this article, you will find out how to get free copies of your credit report, while ensuring its accuracy, privacy and your rights under federal law.

Fair Debt Collection

If you are behind on paying credit cards, personal loans or a home mortgage, this article will explain the laws governing debt collection, so you will know how to be treated fairly, honestly and legally.

read more at Pay Credit Card Debt

Non Profit Credit Card Counseling

If you would prefer to complete your DMP session by phone, please call 800.251.2227 to schedule an appointment with a Budget & Credit counselor today.

Getting started on your DMP is easy and can be completed in 4 easy steps.

Step 1 –	Provide the basic personal information necessary for DMP enrollment
Step 2 –	Review your creditors and the benefits of your DMP
Step 3 –	Review your current financial situation
Step 4 –	Finally, we will take a look at your monthly cash flow

The total process will only take a few minutes. If you have any questions, a Certified Credit Counselor is available to assist you as you go through the process.

Just a reminder, completing the counseling session is free, is not a binding contract, and all information remains confidential.

Remember, we are here to help. Our counselors are available nationwide, 24/7-by telephone and online-in both English and Spanish. We’ve helped thousands of people, just like you, get through periods of financial crisis.

Understanding Your Credit Score

This article will give you a clear explanation of a credit score and how managing your finances will determine your costs to borrow money, plus valuable resources to help you learn more.

read more at Non Profit Credit Card Counseling

Military Debt Management Agency

Required by law, before your bankruptcy case can be discharged- which means debts included in the bankruptcy are no longer considered collectible- you must complete Pre-Discharge bankruptcy education. This course lasts two hours. Topics covered include:

• Setting realistic financial goals
• Understanding your credit report
• Obtaining or re-establishing credit
• Managing budgets
• And more

Again, this course is required and only available to individuals who have already filed for personal bankruptcy. To enroll in this class you must provide your case number.

The Pre-Discharge bankruptcy education class is available online.

• Online classes are accessible on this site 24/7. To get started click on “Start an online session” above.

Understanding Your Net Worth

Determining your net worth is as important as knowing how much you owe. This article will help you understand the value of your assets and your liabilities in dealing with financial challenges.

What is Bankruptcy?

If you are having problems paying bills or being threatened by creditors with lawsuits, wage garnishment or property seizure, this article will help you understand the basics of bankruptcy.

read more at Military Debt Management Agency

How to File Bankruptcy

Our debtor education course will prepare you for a new beginning.

Pre-Discharge Bankruptcy Education
Required by law, before your bankruptcy case can be discharged- which means debts included in the bankruptcy are no longer considered collectible- you must complete Pre-Discharge bankruptcy education. This course lasts two hours. Topics covered include:

• Setting realistic financial goals
• Understanding your credit report
• Obtaining or re-establishing credit
• Managing budgets
• And more

 

Strategies For Managing Your Credit Report and Credit Score After or During Bankruptcy

If you've filed for bankruptcy, discover the effect it can have on your credit report, credit score and request for new credit. We will also explain how to manage your credit, and what to expect as a result of having filed for bankruptcy.

Understanding Your Credit Score

This article will give you a clear explanation of a credit score and how managing your finances will determine your costs to borrow money, plus valuable resources to help you learn more.

read more at How to File Bankruptcy

Help for debt

It can start with a job loss, a medical crisis, a natural disaster or even life in general. No one is immune. But once your debt starts to mount, don't rely on just anybody to get you out of trouble.

CredAbility makes it simple to pay down your debt.

Through our Debt Management Plans (DMP), you can pay off your credit cards, lower your interest rates, eliminate fees and put an end to collection calls - forever. Sound like a plan? Good, because our Certified Credit Counselors can help you get out of debt in four simple steps.

New Resources on CredAbilityU

Listen as our CredAbilityU experts discuss a variety of free resources that can assist you with your personal financial goals.

Play Your Way to Financial Freedom

Play Your Way To Financial Freedom teaches you how to use educational games to help your family change the way they think about money and credit cards. You will learn how to play the new Beat Debt board game and Paid Off card game (for in-person only; games sold separately).

read more at Help for debt

Free Prebankruptcy Credit Counseling

Get started with your counseling.

We strongly urge you to visit with an attorney to discuss the benefits, costs and consequences of filing for personal bankruptcy. And if you are not sure what you need, contact us—we will help you on the right path.

This counseling and the subsequent certificate can be received by telephone and online — in both English and Spanish. CredAbility’s counselors are available nationwide, 24/7.

To begin pre-filing bankruptcy counseling, call 800.251.2227 to schedule a telephone or in person appointment or click on the green "Start an online session" button above.

How to Prepare for your Counseling Session

We strongly recommend that you watch this video to understand what documents you will need to have available, and how to get the most value from your counseling session.

Identity Theft

Learn the necessary steps to protect your information and avoid the common mistakes that allow someone to take your identity. This course will help you understand what you must do if you are a victim of identity theft.

Importance of Saving

Listen as our CredAbilityU experts discuss the importance of saving and tips to keep you on track

read more at Free Prebankruptcy Credit Counseling

Free Debt Management Companies

And we're here to help you take your next steps with confidence and hope.

Let's turn this thing around

Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.

After your session, our support continues with free debt advice and online assistance in everything from how to pay down debt to strategies for successful credit management and how to read a credit report. As always, our reprentatives are here 24/7 to help you build a brighter financial future.

Choosing An Attorney

With the right questions, information and realistic expectations, you learn about everything to consider—from legal fees and costs to consultations—so you can make an informed decision.

Common Options for Dealing with a Financial Crisis

During this critical time, it is important to remember that bankruptcy is not your only option. From enrolling in a DMP and negotiating to using assets for consolidation, you will examine several alternatives.

read more at Free Debt Management Companies

Filing for Personal Bankruptcy

Bankruptcy 101: What Every Consumer Should Know
Learn what it is, how to spot the early warning signs and the differences between Chapter 7 and Chapter 13. Plus, find out how filing can affect your financial life and how to avoid bankruptcy.


Buying Insurance
Listen as our CredAbilityU experts discuss financial tips on how to unravel the mystery of buying insurance.

To enroll in this class you must provide your case number.

The Pre-Discharge bankruptcy education class is available online.

• Online classes are accessible on this site 24/7. To get started click on “Start an online session” above.

How to Prepare for your Counseling Session

We strongly recommend that you watch this video to understand what documents you will need to have available, and how to get the most value from your counseling session.

read more at Filing for Personal Bankruptcy

Debt Settlement Loan

This counseling and the subsequent certificate can be received by telephone and online — in both English and Spanish. CredAbility’s counselors are available nationwide, 24/7.

To begin pre-filing bankruptcy counseling, call 800.251.2227 to schedule a telephone or in person appointment or click on the green "Start an online session" button above.

How to Prepare for your Counseling Session

We strongly recommend that you watch this video to understand what documents you will need to have available, and how to get the most value from your counseling session.

Know the Score: Understanding and Improving Your Credit Score

We will explore the importance of a credit score and how it can affect your financial life. You will learn the five critical factors that determine your number, how to deal with errors and tips that may help you increase your score.

read more at Debt Settlement Loan

Debt Management Plans Pros and Cons

Know the Score: Understanding and Improving Your Credit Score

We will explore the importance of a credit score and how it can affect your financial life. You will learn the five critical factors that determine your number, how to deal with errors and tips that may help you increase your score.

How Do I Get Out Of Debt?

This course will teach you that paying off debts give you the freedom and flexibility to do what you want. You will learn how to prevent spending your future, how to pay-off charges quickly, and learn the steps to build a workable plan to pay-off your debts.

Important Information about Your Debt Management Plan (DMP)

Before you fill out your DMP forms, we will review the responsibilities critical to your plan’s success, step-by-step and the consequences if you choose to withdraw from it.

read more at Debt Management Plans Pros and Cons

Debt Management Plan Pros and Cons

After your session, our support continues with free debt advice and online assistance in everything from how to pay down debt to strategies for successful credit management and how to read a credit report. As always, our reprentatives are here 24/7 to help you build a brighter financial future.

We understand that, because we've helped thousands of people just like you. And we're here to help you take your next steps with confidence and hope.

Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.

What to Do if You Are Behind in Your Debt

Listen as our CredAbilityU experts discuss what to do if you are receiving harassing phone calls

What to Do if You Lose Your Job

Listen as our CredAbilityU experts discuss strategies and tools to address a job loss.

read more at Debt Management Plan Pros and Cons

Debt Management Credit Counseling Corp

Our mission is to empower people with knowledge and solutions that provide hope and inspire lasting change. Many who come to us for advice are facing overwhelming credit card debt and other obligations such as student loans, car loans, payday loans and more. We take a holistic approach, taking into account all of your expenses, and making sure the budget planning advice you receive from us is personalized to your individual needs.

CredAbility has provided nonprofit credit counseling services to millions of consumers since 1964. Our counselors are certified by the National Foundation for Credit Counseling (NFCC,) which means they meet exacting ethical, educational and counseling standards. CredAbility is also a Department of Housing and Urban development-approved counseling provider. 

During a budget planning session, you and your counselor will go over your current income and expenses including credit card debt, medical debt, student loans, car loans and any other that may be owed. Afterwards, you will receive a written summary including a recommended action plan. You are under no obligation to take any of the recommended steps. Your budget planning session is completely confidential. We do not report the information to your creditors or your credit report.

Starting Your Debt Management Plan on The Right Step

Starting Your Debt Management Plan on the Right Foot provides the information you need to start your DMP correctly.  You will learn simple things that can help you gain control over your financial situation and eliminate your credit card debt.

Surviving The Holidays Without Going Broke

Learn how to avoid the dangers of holiday shopping while establishing a spending plan, and identifying tips to save on holiday spending and stretch your holiday dollars.

read more at Debt Management Credit Counseling Corp

Debt Management Agency

Getting into debt can happen to anybody. It can start with a job loss, a medical crisis, a natural disaster or even life in general. No one is immune.

Through our Debt Management Plans (DMP), you can pay off your credit cards, lower your interest rates, eliminate fees and put an end to collection calls - forever. Sound like a plan? Good, because our Certified Credit Counselors can help you get out of debt in four simple steps.

It's free. It's confidential. And all it takes is a couple of minutes. To get out of debt sooner than you think.

Recruit Your Family

During this course you will hear the story of how o¬ne woman was able to inspire her family to get out of debt. Our hope for you in hearing this story is that you too will be inspired to implement some of the same strategies Anne implemented in getting her family out of debt much faster than they ever expected.

Reverse Mortgage

This class will show you the benefits and drawbacks of obtaining a reverse mortgage.

read more at Debt Management Agency