Numerous programs are available to those in need of credit card assistance. These programs offer relief to individuals experiencing credit card-related hardships by providing credit counseling, advising on debt management and helping to consolidate debt.
Consumer Credit Counseling
Credit counseling provides debt counseling and financial education services to consumers dealing with credit issues. Working with certified, professionally trained credit counselors, consumers receive workable solutions to financial problems. These counselors help determine the best way to approach specific financial situations.
Debt Management
Certified credit counseling experts assist in analyzing a consumer's current financial situation, providing customized options based on personal goals and recommending optimal debt management plans created to help achieve financial stability.
Debt Consolidation
By combining credit card debt into a single, manageable payment, debt consolidation helps individuals quickly get out of debt. This process entails transferring credit card debt to a low-interest bank loan or working with creditors to pay off delinquent accounts at a reduced rate; by paying off delinquent accounts, debt consolidation helps prevent further damage to credit ratings.
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