Family Credit Management’s President Michael McAuliffe, discusses, Credit Counseling. When debt starts getting overwhelming, it can be hard to know where to turn and you want a solution now. The problem is, there’s no such thing as a quick fix. Credit counseling, debt settlement and bankruptcy are three very different approaches to dealing with debt, each with their own pros and cons. However, debt settlement and bankruptcy can be very dangerous. First, recognize that whether you are dealing with a credit counseling agency, a debt settlement agency or a bankruptcy lawyer, there are untrustworthy people and companies out there. They will smooth talk you with scripted answers to get their hands on your money. There are three things you should always do when considering a company or advisor: 1: Check the company’s record on the Better Business Bureau website. You’ll see that some companies have less than 3 complaints, some have 500 and a few have more than 1000! This is an objective third party source that can give you a good look at a company’s trustworthiness. 2: Check out their licensing status. Different states require different levels of licensing. Even if your state requires none at all, such as Florida or North Carolina, find a company that is licensed in the most stringent states like New York and Michigan. 3: Call the company and talk to them anonymously. If they won’t answer all your questions without getting your personal information, like name and phone number …

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When the creditors and banks come calling for their money, it’s time to give ‘em a lesson.

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Going to credit counseling doesnt hurt your FICO® score — as long as the agency pays your bills on time! Find out more in this video, where Darcy Sullivan and Craig Watts answer one of your questions about FICO® scores.

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You owe it to yourself to get in touch with us now and learn how you can become debt-free. Our credit counselling and debt consolidation program is completely confidential, so your privacy is assured. Here is your opportunity to consolidate debt, pay off outstanding credit cards, escape…

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getoutofdebt.org – Howard Dvorkin of Consolidated Credit Counseling spoke at the GetOutOfDebt.org Debt Relief Master Class in July 2011 about his view of the credit counseling industry today, his view of the industry moving forward, and why he forecasts nearly 2/3 of credit counseling agencies will not be around in five years.

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This video describes what a consumer in debt should look for when seeking the help of a credit counseling agency. It also outlines the services offered by American Consumer Credit Counseling. ACCC is a non-profit 501(c)(3) organization that provides confidential credit counseling, budget analysis, educational materials, and a debt managament program. For more information visit ConsumerCredit.com or call 1-800-769-3571.

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If you feel you need help getting your finances in order, a credit counselor may be of use to you. Unfortunately some scammers and con artists posing as credit counselors are more interested in taking your money than helping you get back on your feet. There are things you need to know before contacting anyone about credit counseling. This video explains what to look for in a credit counselor, when you should consider contacting a credit counselor, and what you can do on your own to improve your credit.

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FindLaw provides information on how to avoid credit counseling scams. URL: www.findlaw.com

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Got debt? You can find real help to dig yourself out.

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Our entry into the “Here’s Me Debt Free” 00 prize contest, put on by American Debt Counseling! americandebtcounseling.org

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