|
If credit card debt comprises most of your bills, then you might want
to seek credit counseling from a reputable credit counseling organization.
Credit counseling provides debt relief through a number of channels.
- A debt management program consolidates your
credit card payments and extends benefits offered by your credit
card issuer through the program. Benefits can include lower interest
rates and a lower consolidated payment.
- A self-guided repayment strategy may be
developed so that you can repay your debt faster on your own. You
might be able to make small changes in how you repay your debt that
can dramatically reduce interest charges and the time for repayment.
- You could find that bankruptcy might be the
best option if other options are not feasible. Getting credit
counseling now could help you decide now how to proceed, potentially
saving you hundreds or thousands of dollars than if you delay the
inevitable.
To find a credit counseling organization that serves your state,
simply select your state to proceed:
|