Finally a Realistic Way to Get Debt Relief
Kevin B Zazzera is an bankruptcy attorney located in Nutley, New Jersey. Mr. Zazzera is known for his aggressive, yet personal, legal repreresentation in the areas of Foreclosure Services, Business Bankruptcy Law, General Practice, Credit & Debt Counseling. Contact him today!
Visit us http://www.yellowpages.com/info-461872214/Kevin-B-Zazzera-Attorney-at-Law?from=youtb
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Has anybody ever consulted a debt counselor?
For those deep in credit card debt and wanting to get out, wouldn’t the FIRST piece of advice that a counselor will offer is to STOP USING YOUR CREDIT CARDS? Stop accumulating debt? Once you do that, wouldn’t they tell you to establish a realistic budget that lets you live within your means?
You ask such great questions! : )
First advice would be to cut up the credit cards and lock up just one card for a major emergency, but put it in a hard to get place like a safety deposit box.
2nd would be to stop any excess spending and create a budget, If you are living in a place you can no longer afford, then downsize and try to keep monthly/annual expenses at an affordable level.
Next, start paying down all debt by concentrating on one thing at a time. But, always make at least the min. monthly payment on everything. Think carefully about impulse buying and look at everything you do.
No eating out.
No "shopping" trips
No vacations
No car rides that are unnecessary
If you eat out, set a price limit
I could go on, but it would get redundant.
I don’t see our government doing much of this at all, do you?
What is credit counseling and can it help you? Find out from this short video by American Financial Solutions or visit our site at http://www.myfinancialgoals.org.
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I’m now able to start making payments to creditors whom i’ve left in the dark during the last year or so when I was unemployed… whats the best way to go about clearing my debts? Calling themindividually? using credit counselors?
You don’t want to make monthly payments on debts that have already defaulted. Doing so will not reactivate your accounts and give you good credit again. Debt collectors don’t want to be paid this way anyway.
Save your money and offer to settle the accounts in full in a one time payment, starting @ 25%. Don’t contact debt collectors until you have enough money to do this. You don’t need to hire credit counselors to do this as you can make your own offers.
If your debts involve defaulted credit card debts, paying them back will not fix your credit rating.
More about paying credit card defaults: http://catdadsblog.wordpress.com/2011/02/04/paying-charge-offs/
More about paying non credit card defaults: http://catdadsblog.wordpress.com/how-to-pay-collection-accounts-on-your-credit-report/
Christian Credit Counselors is a national non-profit association dedicated to helping consumers achieve financial wellness through counseling and education. Established in 1990, Christian Credit Counselors has helped over 2 million individuals achieve financial security. Christian Credit Counselors is one of the top members of the American Association of Debt Management Organizations (AADMO). They are also HUD approved, Fannie Mae Certified and a United Way partner. They manage clients across the country. Personalized and confidential consultations are available in person, by phone or online. Visit Christian Credit Counselors at www.ibudget.org or
call 1-800-557-1985.
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Don’t let your current debt burden overwhelm you. Let Cambridge Credit Counseling help you take the first step toward a brighter financial future for you and your family. Debt Help is here!
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Christian Credit Counselors is a non-profit organization that was created to
help individuals and families regain control of their finances through the
use of educational tools, credit counseling and other resources.
We will help to;
Reduce interest rates
Stop collection calls
Lower monthly payments
Eliminate late and over-the-limit fees
Preserve your credit score
Instill peace of mind because we take care of everything for you
For over 20 years Christian Credit Counselors has helped over 300,000 people
get out of debt in 4 years or less, empowering people to regain their
financial freedom.
Christian Credit Counselors works directly with your creditors to reduce
interest rates and establish a plan to pay down your debt.
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At Family Financial Education Foundation (FFEF) we understand the problems and stress that result from excessive credit card debt. We also know the joy associated with living life free of debt. Our programs are designed to help you towards financial success. Our certified credit counselors are ready to listen and help you put into place a customized money management program to help eliminate your debt in 2-5 years.
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Christian Credit Counselors is a non-profit organization that was created to
help individuals and families regain control of their finances through the
use of educational tools, credit counseling and other resources.
We will help to;
Reduce interest rates
Stop collection calls
Lower monthly payments
Eliminate late and over-the-limit fees
Preserve your credit score
Instill peace of mind because we take care of everything for you
For over 20 years Christian Credit Counselors has helped over 300,000 people
get out of debt in 4 years or less, empowering people to regain their
financial freedom.
Christian Credit Counselors works directly with your creditors to reduce
interest rates and establish a plan to pay down your debt.
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A certified credit counselor must pass state and national exams to obtain a license in order to help people with credit problems, such as credit card debt, by reducing payments or account balances. Find out how a credit card counselor can help you reduce your credit card debt by working directly with credit card companies, in this free video on personal finance from a licensed mortgage broker.
Expert: Adriel Torres
Contact: ultimatecredittoday.com
Bio: Adriel Torres has been in the mortgage business for over a decade. He has owned two mortgage companies and is a licensed mortgage broker.
Filmmaker: Christopher Rokosz
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