One of the more notable changes to the 2005 bankruptcy laws requires that anyone filing for bankruptcy complete a credit counseling course. This course is designed to provide valuable information about debt management, budgeting and using credit wisely. If you are entering credit counseling for the first time, be sure to review a few important  … Read more

As one of the most underutilized resources for debtors, credit counseling agencies provide numerous services that are valuable for anyone looking to take control over their finances. Even if you aren’t suffering from overwhelming debt troubles or required to take the course as part of a bankruptcy filing, credit counselors can offer you information and  … Read more

Research shows that the majority of Americans are not financially literate, meaning very few people understand the basics behind their finances and debt. Considering most adults have a limited idea of smart money management and debt resolution, it is no surprise that many kids and teenagers follow the same path. Credit counseling services around the  … Read more

Credit counseling is one of the most underutilized sources of debt relief help. As one of the more affordable and least invasive types of debt relief help, it is surprising that more people don’t know of its benefits or ever think to pursue it. Credit counseling can be a great place to start when debts  … Read more

As we embark on a New Year, many Americans have made a resolution to get their finances in order this year. Despite record decreases in bankruptcy filings, many of us are feeling the pressure and have prioritized getting out of debt. Many consumers can be quite successful resolving their debts on their own, but everyone  … Read more

Financial experts and credit counselors are trying to spread the word to consumers about the benefits of taking a credit counseling course.  In fact, research shows that attending a single financial course can greatly improve the success or failure of a debt management plan. The problem is that most people simply do not know about  … Read more

Drowning in debt can be a stressful experience, especially when the financial hardship you are experiencing is through  no fault of your own. It can seem like your options are limited and that time is running out. Fortunately, there are tools available to help you get out of debt and you don’t always need the  … Read more

The state of our financial lives is turbulent now more than ever before. With so many people drowning in debt and considering bankruptcy, people begin to think that drastic times call for drastic measures. Actually, the opposite is quite true. When things are at their worst, taking a time out to really consider all of  … Read more

Credit counseling is required for anyone seeking bankruptcy protection, but it can be very valuable to anyone with debt. Credit counseling agencies offer a variety of services including debt negotiation and debtor education. Whether you are looking for someone to help you get out of debt or teach you the skills needed to get out  … Read more

Many people have heard of credit counseling agencies and assume these companies only offer services to help those that are in debt. Although bankruptcy laws require a filer to complete the debtor education course offered by credit counselors, this isn’t the only information they offer that is valuable to consumers. Getting The Most As A  … Read more