Every year, many people in the United States find themselves falling behind on loans credit card payments. When you find yourself paying your bills with credit cards, it may be time to seek help. Fortunately for the residents of Chattanooga, Tennessee, who find themselves in this situation, there are plenty of places to turn to get help before filing for bankruptcy. The following is a list of debt management and debt negotiation agencies that can help you.
Consumer Credit Counseling Service
The Better Business Bureau gives this company their top honor -- an A+ -- for its solid, reliable business practices and professionalism. Since 1964, Consumer Credit Counseling Service has been helping clients successfully consolidate their debt and find their way to financial freedom. This is a debt management agency, not debt negotiation. They will negotiate your interest rate with your creditors and work out new terms of an agreement with them so that you can have your outstanding credit cards and personal loans paid off in less than five years. It is important to note that CCCS recently changed its named to CredAbility to avoid confusion with other companies names.
Consumer Credit Counseling Service
2245 Olan Mills Drive
Chattanooga, Tennessee 37421
(423) 490-5620
www.credablity.org
Partnership for Families, Children and Adults
Founded in 1877, this non-profit organization has successfully met all 20 of the Better Business Bureaus criteria for charity accountability. According to the agency, The purpose of the organization is to reserve and strengthen individual and family life, to create and promote conditions conducive to personal growth and to alleviate and prevent human distress through appropriate community, social and other services. This organization offers many services, including credit counseling services. They work with clients and creditors the same way that Consumer Credit Counseling Service does and can help clients reduce and pay off their debt in a manageable time frame.
Partnership for Families, Children and Adults
1800 McCallie Avenue
Chattanooga, Tennessee 37404
(423) 755-2822
E-mail: info@partnershipfca.com
www.partnershipfca.com
Credit Management Services Group, Inc.
The Better Business Bureau gives this company a B+ based on its criteria. This company works with clients to repair their credit and, if necessary, negotiate debt with creditors. If the company finds that you are in need of debt negotiation, its team will contact your creditors to negotiate the total amount that you owe rather than just the interest rate; this will help you pay off your debt much more quickly, and your monthly payments will be much more manageable. This has a more lasting impact on your credit score than debt management, but for many people who are simply in over their heads, it is a necessary step to take in order to get out from under mounting debt.
Credit Management Services Group, Inc.
224 North Ocoee Street
Cleveland, Tennessee 37311
(423) 479-8801
www.creditmanagementgroup.com
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