Consumer Credit Counseling Services

How our program helps:

  • Significantly lower your monthly payment
  • Reduce your debt to a fraction of what you owe
  • Be debt free in as little as 24 to 48 months

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Consumer Credit Counseling Services

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Credit Counseling Services — What You Need to Know

Many who are deep in debt could benefit from the help of a debt service that can guide them through their options, answer tough questions and help prepare them for future success. Fortunately, experts are available, both in the form of debt counselors who work through credit counseling agencies and Consolidation Specialists who work for debt consolidation services. Which type of counseling is best for you?

Traditional consumer credit counseling agencies work with consumers who need help managing their finances. This process is similar to how you would visit an academic advisor for educational guidance. A credit counselor uses their expertise to help their clients improve their finances. They can help you review your current financial situation, discuss any concerns, and implement strategies to help you achieve your money goals. Credit counselors may also provide you with budgeting tools or recommend that you enroll in a debt management plan (DMP).

Debt consolidation services, like Accredited Debt Relief, have Consolidation Specialists who can provide counseling and guidance to clients. In addition to offering free debt consultations, they can match you with customized solutions to help you overcome your debt in as little as 24-48 months. They have debt consolidation options for all credit scores.

When debt prevents you from accessing your basic needs, it’s time to get help.

When Mike became unemployed, he and Rhonda had to rely on their savings and credit cards to get by. Accredited Debt Relief helped them overcome their debt.

You May Need More Than Credit Counseling If...

Your Payments are Too High

You're paying too much interest or are stuck making only minimum payments

Your Accounts are Maxed Out or in Collections

One or more of your credit cards are maxed out or your credit utilization is over 40%

You Have Missed Payments

You miss payments or you can’t afford both your monthly payments and basic needs

Your Money Stress is Affecting Your Health

Your debt is worsening your quality of life, physically or mentally

Credit Counseling FAQs

Accredited Debt Relief is not a credit counseling agency. However, we do have a team of Consolidation Specialists who can provide you with a free consultation; this includes a free debt review and customized recommendations for options that best fit your unique needs. If you choose to get help from Accredited Debt Relief, you'll then receive access to a Client Success Team who can provide support throughout your financial relief journey.

Credit counseling can provide individuals with a variety of services and tools to help them with their finances, including debt counseling, budgeting tools and debt management plans. Their services can be especially helpful for those who are just starting to experience financial difficulties and who want to prevent a smaller debt situation from getting out of control.

Your credit counselor may recommend enrolling in a debt management program (DMP). This is an agreement where you'll make monthly lump sum payments to the credit counseling agency. In turn, they will communicate with your creditors directly, work to negotiate new payment plans and reduce your interest rates. The agency will then use the funds you send them to pay down debts on your behalf. It's important to note that DMPs cannot lower your overall debt. They also typically last 3-5 years, are limited to unsecured debt, and may require the participant to stop using all lines of credit while in the program.

Pros and Cons of Credit Counseling Agencies

Credit counseling can be helpful for those who are looking for a little extra guidance. If you’re just beginning to struggle with debt payments, a credit counseling session can provide you with budgeting guidance and the tools you need to prevent a smaller debt situation from getting out of hand.

One of the biggest downsides to credit counseling is that it cannot lower the total amount of debt you have. Debt management programs may lead to lower interest rates and a better payment schedule, but they can’t reduce your principal balance like some debt consolidation solutions can.

Pros of Credit Counseling

  • Can provide general financial guidance and tools to improve financial health
  • Provides clear, actionable plans for debt repayment
  • Can consolidate payments and lower interest rates through a DMP

Cons of Credit Counseling

  • Is less helpful if your debt situation is already dire
  • Can't lower your principal balances
  • May require recurring sessions
  • May charge setup fee

Are Credit Counseling Services Right for Me?

Credit counseling isn't restricted to those who are already drowning in debt; if you are interested in planning ahead for financial success, a credit counselor can provide you with more information and answer your financial questions about bill consolidation, debt forgiveness, cancellation and more. Whether you've just received your first credit card, want some budgeting guidance, are just beginning to struggle with credit card payments or are handling more debt than you can manage, credit counselors can assist you and point you in the right direction.

It's important to remember that although credit counseling services can work with creditors to reduce your monthly payments, they can’t reduce your principal balances.

Accredited Debt Relief: The Best Way to Pay Off Debt

Accredited Debt Relief has helped consumers across the country consolidate and lower their debts. With an A+ BBB rating, we offer customized financial solutions that can help you lower your monthly payments and pay off your debt efficiently. To learn more and receive a free, no obligation consultation, contact us today.

Learn More About Overcoming Debt

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