Nonprofit organizations like CreditGuard are often the better choice for credit counseling, as they typically charge lower fees and prioritize the best interest of their clients. This ensures a more transparent and focused approach to debt relief, with a genuine commitment to helping clients regain control over their finances.
If you're looking for a reliable and effective nonprofit debt consolidation and credit counseling service, you've come to the right place. Our organization has been in the business of helping people get out of debt since 1991, and we've already paid out over $1.7 billion and counting to creditors on behalf of our clients. Our debt consolidation services are tailored to help you manage your finances more effectively by combining multiple debts into a single monthly payment. This simplifies your financial situation and makes it easier to stay on top of your payments. Our debt specialists work closely with your creditors to negotiate lower interest rates, fees, and monthly payments on your behalf. We can reduce your existing payments by up to 60%, which can make a significant difference in your financial situation.
Our debt management program is designed to help you reduce your overall debt amount and shorten the time it takes to pay it off. Our expert guidance and support can help you develop a personalized debt management plan that fits your unique financial situation. We work with your creditors to negotiate lower interest rates, fees, and monthly payments on your behalf, making it easier for you to get out of debt and achieve financial freedom.
We understand that debt can be overwhelming and stressful. That's why our team is dedicated to providing you with the support and guidance you need to take control of your finances and stay debt-free in the future. Don't let debt hold you back any longer. Contact us today to learn more about our nonprofit debt consolidation and credit counseling services and take the first step towards a brighter financial future.
If you're looking for a way to reduce your debt and pay it off more quickly, a debt management program may be the solution for you. Our nonprofit debt consolidation and credit counseling services can help you reduce the total amount of debt you owe and the time it takes to pay it off. With our debt management program, you'll work closely with a credit counselor who will negotiate with your creditors on your behalf to help reduce your interest rates, create a personalized payment plan, and put a stop to those harassing collection calls and letters. Our goal is to make the debt repayment process as easy and stress-free as possible, so you can focus on getting back on track financially. At our nonprofit organization, we have been helping people like you since 1991. We understand how overwhelming and stressful debt can be, and we're here to provide you with the support and guidance you need to achieve financial freedom. Contact us today to learn more about our debt management program and take the first step towards a brighter financial future.
Enrolling in a debt management program can help individuals secure lower interest rates and create a simplified payment plan tailored to their financial situation Additionally, a debt management program provides a clear path to becoming debt-free, allowing individuals to regain control over their finances and work towards a more secure financial future.
CreditGuard's debt consolidation programs are designed with the consumer's best interests and financial well-being in mind. Steering clear of potentially harmful debt relief tactics, such as taking out new loans or engaging in practices that could damage your credit, CreditGuard adopts a more responsible debt consolidation strategy. This conscientious approach prevents clients from exacerbating their debt and sinking further into financial distress. Instead, CreditGuard collaborates with existing creditors to negotiate improved terms and streamline payments. The ultimate goal of their debt consolidation methods is to preserve or enhance your credit rather than harm it. By partnering with creditors to secure lower interest rates and fees, clients can repay their debt more effectively. Through consistent, punctual payments under a CreditGuard debt consolidation program, clients may witness a gradual improvement in their credit scores. CreditGuard's certified financial counselors deliver customized advice tailored to each client's distinct financial circumstances. They collaborate with clients to devise a pragmatic budget and financial plan, setting them on the path to a debt-free future. This personalized strategy ensures that clients benefit from the most suitable and efficient debt relief solutions. Committed to fostering enduring financial health, CreditGuard provides resources, workshops, and continuous support aimed at enhancing clients' understanding of their finances, honing their money management abilities, and warding off future debt challenges.
From start to finish, here’s what our program will do for you:
Looking for affordable nonprofit debt consolidation and credit counseling services? We offer a simple and transparent fee structure designed to make it easier for you to manage your finances. Our members pay a low initial setup fee and then a monthly fee equal to 1.2% of their total balance, up to a maximum of $55.00 per month. Please note that this fee may vary depending on your location. Our goal is to provide you with the support and guidance you need to get out of debt and achieve financial freedom. We believe that everyone deserves access to affordable and effective debt consolidation and credit counseling services, and we're committed to helping you every step of the way.
The scope of credit card debt in the United States: Recent statistics reveal that the average credit card debt per person in the US is approximately $6,000, while the nation's total credit card debt exceeds $1 trillion. This growing problem affects people from all walks of life, making it an issue that cannot be ignored. The impact of high-interest rates and fees on credit card debt: High-interest rates and fees associated with credit card debt can make it increasingly difficult for individuals to pay off their balances. These factors contribute to a cycle of debt and financial stress, which can be challenging to break without proper guidance and support. The consequences of carrying a high balance on credit cards: Carrying a high balance on credit cards can have several negative consequences. It can lower an individual's credit score, limit their access to future credit options, and contribute to ongoing financial stress. Additionally, it can strain personal relationships and affect one's overall quality of life.
Credit counseling is a service provided by certified financial counselors who work with individuals to help them develop a budget, learn about financial management, and create a plan to overcome credit card debt. It is a proactive approach to addressing financial challenges and gaining control over one's finances.
Engaging in credit counseling can help individuals develop a realistic budget that considers their unique financial situation. It also helps improve their financial management skills, leading to better decision-making, and ultimately resulting in an improved credit score. In the long run, credit counseling can create a solid foundation for a healthier financial future. How CreditGuard's credit counseling services work: CreditGuard offers one-on-one counseling sessions and personalized financial advice to help clients better understand and manage their credit card debt. Their certified credit counselors assess each client's financial situation, create customized plans, and provide ongoing support to help them achieve their financial goals. The importance of working with a non-profit organization for credit counseling: Nonprofit organizations like CreditGuard are often the better choice for credit counseling, as they typically charge lower fees and prioritize the best interest of their clients. This ensures a more transparent and focused approach to debt relief, with a genuine commitment to helping clients regain control over their finances.
Engaging in credit counseling can help individuals develop a realistic budget that considers their unique financial situation. It also helps improve their financial management skills, leading to better decision-making, and ultimately resulting in an improved credit score. In the long run, credit counseling can create a solid foundation for a healthier financial future. How CreditGuard's credit counseling services work: CreditGuard offers one-on-one counseling sessions and personalized financial advice to help clients better understand and manage their credit card debt. Their certified credit counselors assess each client's financial situation, create customized plans, and provide ongoing support to help them achieve their financial goals. The importance of working with a nonprofit organization for credit counseling: Nonprofit organizations like CreditGuard are often the better choice for credit counseling, as they typically charge lower fees and prioritize the best interest of their clients. This ensures a more transparent and focused approach to debt relief, with a genuine commitment to helping clients regain control over their finances.
Before calling to talk with a credit counselor, make sure you have:
If you’re ready to get out of debt once and for all, then contact us online by filling out the form above, or by calling CreditGuard of America at 800-500-6489.
Certified Credit Counselors are available:
Monday – Thursday 8:00 am – 10:00 pm Est.
Friday 8:00 am – 9:00 pm Eastern
Saturday 10:00 am – 6:00 pm Est.
For more information on managing debt and other financial topics, explore these resources:
The Ultimate Debt Survival Guide. In addition to providing personalized debt management programs, we’ve got a host of free resources available online. This guide is a great starting point for learning how to manage your money and get out of debt.
Expert Tips for Managing Credit Card Debt. A growing number of Americans deal with credit card debt every day. Check out our best practices for getting out – and staying out! – of this type of debt.
Understanding Debt Collection; Working with debt collection services can be daunting, but we’re here to help. Read through our educational articles on debt collection to equip yourself with essential knowledge (and helpful advice).
By providing your information, you consent and request to be contacted by CreditGuard and/or our member(s) to your phone, cell phone, email, text/SMS, and through the use of pre-recorded messages and automated dialing technology at the number(s) listed above even if your number provided on the form above is on a State, National or Corporate Do Not Call List. You are not required to purchase any goods and/or services. Standard carrier and messaging rates will apply.
Nonprofit debt consolidation is a program designed to help individuals who are struggling with debt by combining multiple debts into a single, more manageable payment plan. This program is offered by non-profit organizations that work to provide financial education and counseling to individuals in need.
In a nonprofit debt consolidation program, a credit counselor will work with you to create a budget and payment plan that fits your individual needs and financial situation. The counselor will negotiate with your creditors to lower your interest rates and monthly payments, and then combine your debts into one monthly payment. You will make your payment to the non-profit organization, which will then distribute the payments to your creditors.
Most types of unsecured debts, such as credit cards, medical bills, personal loans, and payday loans, can be consolidated through a non-profit debt consolidation program.
While nonprofit debt consolidation programs are not free, the fees are typically lower than for profit debt consolidation programs. The fees can vary depending on the organization, but they are usually based on a percentage of your monthly payment.
The length of time it takes to complete a nonprofit debt consolidation program can vary depending on the amount of debt you have, your ability to make payments, and the terms of your agreement with your creditors. Generally, non-profit debt consolidation programs can take anywhere from 2 to 5 years to complete.
The cost of enrolling in a non-profit debt consolidation program can vary depending on the organization and the amount of debt you have. The fees are typically based on a percentage of your monthly payment, and they can range from 3% to 8%.
Enrolling in a non-profit debt consolidation program can affect your credit score in the short term, but it can also help you improve your credit score in the long term by making consistent payments and paying off your debts. However, it’s important to note that not all creditors report to credit bureaus, so your credit score may not be impacted by enrolling in a debt consolidation program.
A non-profit debt consolidation program can help you pay off your debts and can also benefit your creditors by ensuring they receive consistent payments. Your creditors may also be more willing to negotiate with a non-profit organization than with an individual.
Once you enroll in a nonprofit debt consolidation program, your creditors should stop calling you for payments. However, if you continue to receive collection calls, you should contact your credit counselor immediately.
In most cases, you will not be able to use your credit cards while enrolled in a nonprofit debt consolidation program. It’s important to focus on paying off your debts and improving your financial situation before
If you're looking for a reliable and experienced nonprofit debt consolidation and credit counseling service, look no further than CreditGuard. We have been providing debt management, debt counseling, and financial education for consumers for the past 31 years. Our team of experts can help you lower or eliminate your interest rates by up to 50%, stop late fees, and re-age your accounts to bring them current. We also help consolidate your debt into one low, affordable monthly payment, making it easier for you to manage your finances and get out of debt. As a reputable and established debt counseling company, we have been operating since 1991 and are licensed in all 50 states. Our headquarters are located in Fort Lauderdale, Florida, but we provide our services to consumers across the country. At CreditGuard, we are committed to providing you with the guidance and support you need to achieve financial freedom. Contact us today to learn more about our non-profit debt consolidation and credit counseling services and take the first step towards a brighter financial future.
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