Free Credit Counseling Advice

Find free credit counselling advice

Looking for free credit counseling advice? If you are throwing your money around without thinking of tomorrow, think twice, seek a professional credit counseling advice to help you out. What is free advice and Credit counseling? Free advice is a free legal information web service which was established in 1997. It has won extensive awards, including having been named by Forbes as a “Best of the Web”, by PC World as one of the Best 125 Free Sites on the entire Web, as one of the 100 featured sites in PC Magazine’s Best 1000 websites, as the legal site of the year by Access Magazine, and to have repeatedly received accolades and top recognition in the New York Times, Wall Street Journal and Washington Post’s reviews of legal websites. Credit counseling (United Kingdom as debt counseling) is a process that involves offering education to consumers about how to avoid incurring debts that cannot be repaid through establishing an effective Debt Management Plan and Budget. Credit counseling is usually less typified by functions of credit education or the psychology of spending habits, rather credit counseling establishes a planned method of debt relief, typically through a Debt Management Plan.

Credit counseling often involves negotiating with creditors to establish a debt management plan (DMP) for a consumer. A DMP may help the debtor repay his or her debt by working out a repayment plan with the creditor. DMPs, set up by credit counselors, usually offer reduced payments, fees and interest rates to the client. Credit counselors refer to the terms dictated by the creditors to determine payments or interest reductions offered to consumers in a debt management plan. Debt Counselling was introduced in some countries to provide a definite process for helping a customer with over indebtedness. The process provides a consistent system of debt restructuring, enforcement and judgement, which places priority on the eventual satisfaction of all responsibilities for the consumer’s obligations under the credit agreements. The process of Debt Counselling was developed to offer an option for consumers who cannot meet their monthly obligations under current credit agreements. Therefore, Debt Counselling can be summarized as a procedure where a person, who can no longer afford to meet all his monthly debt obligations, can apply with a debt counselor to negotiate on his behalf with his creditors for reduced monthly repayments. You will find here some free legal experts and debt counselors offering free advice services to people who cannot afford the normal expensive legal fees. Just follow the instructions on the freebie sites and discover how to avail of the free services.

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