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Monday, May 25th, 2015


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debt-counseling

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What is Debt Counseling?

Debt Counseling is another name for credit counseling. Debt Counseling is a process offering education about how to stop incurring debts and how to get out of debt.

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Choosing a Debt Counselor

Most people agree that they don’t want to spend any more money than necessary to get out of debt. To avoid costly counseling, look for a nonprofit firm.
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How a Debt Counselor can help you

Your debt counseling agency may offer services such as counseling, a debt-repayment plan and budgeting advice. Your debt counselor may set up a one-pay plan for you or negotiate down your debt.
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Declaring Bankruptcy

If you feel like you have no option other than filing bankruptcy you are not alone. Approximately 800,000 Americans filed for bankruptcy in 2007. You must complete bankruptcy counseling before you can file for bankruptcy.  If you decide to move forward, finding a lawyer in your area can be easy. Go onto the web and type in the attorney type and city, like “bankruptcy attorney Las Vegas.”
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Will using a debt counselor show up on my credit report?

Maybe. Some creditors see credit counseling as a bad thing and can issue an alert on your credit report. However, not paying your debts will look worse on your credit report.
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Calculate what you owe

Use the Young Money Debt Management Calculator to find out how much you owe. It’s easy just enter your credit card and outstanding loan balances and our calculator will help you determine length and amounts of payments.
Learn More | Sign Up For Debt Counseling
Try the Young Money Debt Management Calculator