Learn the truth about Credit Counseling
Credit Counseling is a program that can help you reduce your interest rates and consolidate all of your payments into one payment. Though the payments are often close to what you may be paying now, with the interest rates reduced, you are able to become debt free in as little as 4 - 7 years.
Credit counseling is one of the most well-known debt management strategies. The first credit counseling agencies were created in 1951. Since then, the credit counseling industry has exploded. Today, "non-profit" credit counselors are typically the most sought after program.
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Why?
People tend to assume that because a company is "non-profit" they are a charity group or they work for free. This isn't always the case. This is America.... who works for free? Credit counseling agencies have pre-arranged deals with most credit grantors. They are able to provide people who are in financial hardship reduced interest rates. They help people who are unable to make their payments by reducing their interest rates so they can make their payments. For this service, credit grantors pay credit counselors a "finders fee." In a sense, many credit counselors work as a collection agency for the creditors. Many credit counselors charge an additional fee, usually referred to as a donation, as well.
Does Credit Counseling work?
Credit counseling DOES work. The trick is finding a company that is there to help you succeed. The credit counseling industry has gotten a bad name due to the MANY credit counselors that were developed since the late 80's and early 90's. Many of these companies jumped on board to take advantage of the "non-profit" status. Recently, the IRS has begun to crack-down on these companies.
Although debt settlement is typically the best debt management strategy for most people, it's not right for everyone. For that reason, we have the ability to help you get enrolled into credit counseling, as well. At STARTOVERTODAY.COM, we work with only the best credit counselors. They are committed to your success. We are also here to hold them to the high standards that our clients have come to expect from STARTOVERTODAY.COM. Get a quote and learn all about credit counseling in your Free Strategy Session today!
STARTOVERTODAY.COM specializes in all debt management solutions, as well as providing financial education and coaching to help our clients design the most powerful debt management strategy possible for their unique circumstances. We also educate clients and support them in making major financial improvements in their lives by applying the principles of financial literacy.
