You may also be able to negotiate with creditors by yourself or with the
help of a credit counselor to have interest rates and minimum payments lowered.
If you are concerned that one of your accounts may go into collections, or if you would like information on how to deal with a collection account, seek the
advice of a credit counselor or a trusted financial advisor.
CCIP is a member of the National Association of Housing Counselors and Agencies, Inc. (NAHCA), the National Community Reinvestment Coalition (NCRC), the National
Federation of Credit Counselors (NFCC), the Housing Equality Center of Pennsylvania, the Tri-County Don't Borrow Trouble Network, the Chester Housing Authority Sustainability Committee, the Housing Alliance of PA, and the Low - Income Housing Coalition.
How to Cope: If you are not skilled in mastering a personal financial budget, you may need the assistance
of a credit counselor who can straighten out your money affairs and get you started on the right path for better money management practices.
Depending on your schedule, personal preference and general availability, you can choose to obtain the services
of credit counselors through one - on - one, in - person counseling sessions; on the Internet; or over the telephone.
We work with a nationwide
network of credit counselors that will help you regain control of your finances and help you prevent future incidences of debt from occurring.
Be honest with yourself: if a lack of spending discipline is what got you into the pickle you're in, you may not have the discipline to pay down your debt without the
help of a credit counselor.
If for some reason you foreclose or default on an account, be sure to seek the
advice of a credit counselor to find out of the best course of action to improve your credit rating.
When you hire the
services of a credit counselor or a debt management company, they negotiate with creditors and reduce the interest rate on each account.
If you're considering bankruptcy, meet with one
of our credit counselors to assess your situation in private.
Your session is confidential and 100 %
of our Credit Counselors are certified by the National Foundation for Credit Counseling (NFCC).
Debt settlement, which is also known as credit settlement or debt negotiation, is a legal process in which a debtor — often, but not always, with the help
of a credit counselor — can reach a legal agreement with a creditor to settle their debt for a lesser amount.
Debt settlement, which is also known as credit settlement or debt negotiation, is a legal process in which a debtor — often, but not always, with the help
of a credit counselor — can reach a legal agreement with a creditor to settle their debt...
If your monthly result will not fit in your budget, one
of our credit counselors can examine your particular situation and provide further guidance in making your debt - free future a reality.
If this sounds familiar, you may be considering the services
of a credit counselor.
In some cases, credit problems or errors in credit reports may be severe enough to require the help
of a credit counselor.