If you are having financial problems, it is important to get help with your finances before it is too late. Missing payments on loans, credit cards and mortgages can affect your ability to obtain credit when you need it.
Get Free Financial Advice
Numerous websites by non-profit organizations such as Better Budgeting and Financial Planning offer tips on how to manage finances and save money. Tips focus on how to cut unnecessary expenses and how to budget yourself for your expenses.
Credit Counseling
Consumer credit counseling services exist to provide help in dealing with your creditors to reduce your monthly payments. With this service, you will make one monthly payment to the credit counseling service and in return it disburses payments to your creditors. Generally, you can only place unsecured creditors under consumer credit counseling.
Financial Counselors
Talk to a financial counselor for free. Financial counselors can review your credit report with you and help you develop a budget based on your needs. Advice from a financial counselor can be provided for free under some non-profit organizations such as Money Management International.
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