Free Credit Counseling And Debt Counseling

Televisions, furniture, clothing, and even food can all be purchased on credit today. It is obvious why there are so many bankruptcies in the U.S. and Canada in recent years... We are encouraged to be irresponsible by the credit industry. Spend, spend, spend! Luckily, there are options and companies available to help, free credit counseling and debt counseling, lower your debt. Debt elimination programs can help you consolidate loans and pay them off quickly, with the lowest interest rates possible.

Consumer credit is at an all-time high. You are not alone. free credit counseling and debt counseling... It is one of the options available.

More than 50% of college freshmen today owe over $1,500 in credit card debt. When kids have such credit problems it is no surprise that, as adults, we have even bigger problems. We are trained from when we are young, some would say brainwashed, to use credit like there is no tomorrow. For kids, there never is. But when you want to get a loan, our credit is the single most-important factor in the rate we will pay. Keep your credit report clean, pay off your debt, and if you need help, contact a credit counselor at one of the non-profit organizations in your state.

Watch out for bankruptcy firms that mascarade as debt consolidation companies. You do not want to declare bankruptcy in most cases. Visit the FTC's web site for more information Ads Promising Debt Relief May Be Offering Bankruptcy

The FTC also offers some good advice in picking choosing a credit counselor: Choosing a Credit Counselor.