Credit card debt assistance, get back on your feet, Today! You can qualify for debt consolidation care assistance and erase your credit card debt for good.
If the debt collectors are burning up your phone and filling your mailbox in attempts to collect the debt you owe, chances are you are thinking about a debt assistance program.
There are many companies that offer this type of service, some that are on the up and up and some that are rather unscrupulous.
Weeding out the bad companies and signing on with a good one can be a challenge if you don’t know exactly what to look for and they all have the same message: they will help you reduce or eliminate your debt. So, how do you find a company that actually delivers? There are a few things you should know before you sign up.
What a Credit Card Debt Assistance Company Should Do
A good company like debt consolidation care will offer you personal credit counseling and education on money management. You will learn how to manage your money and your debts, often by creating a household budget.
If you can’t pay off the debt on your own through their education and counseling service, a good company will work with you to determine how much you can put toward your debts.
Then you will give that amount to the credit card debt assistance company each month and they will pay your debt for you. They will work to get the money to your creditors and limit your risk and damage incurred by late payments or skipped payments.
What a Credit Card Assistance Company Should Not Do
If a company offers or makes promises to clean up your credit report, look elsewhere. It is illegal. If you are late on a payment or you skip a payment, that infraction will remain on your credit report for up to seven years.
The only way to improve your credit rating is through making steady payments over time. You have to show a pattern of repayment to improve your credit score rating.
A credit card assistance company should not charge you an arm and a leg to assist you. Any company that demands very high monthly fees or that requires a portion of your savings is not a company you want to work with.
There are non profit companies that assist with debt elimination and debt relief that don’t charge a dime. Those that do charge only a small fee. These companies are funded by the government, non profit organizations, private sector consumer credit organizations and even the creditors that approve the plan you create to manage your debts.
A good way to find a credit card debt assistance company is to check with your state Attorney General, the Better Business Bureau and your local consumer protection agency.
You can visit the Better Business Bureau's website www.BBB.org and find reports on hundreds of companies.
They will have information that will help to guide you in selecting a company that will help you and work with your best interest in mind.
Your best bets are companies that :
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