User:UrenaHollie602 - NEOS

From NEOS

Consumer Credit Counseling Service Orange County CA 92705 provides counseling to those who have overwhelming debt due to over use of credit cards. Once you fill the appropriate application, the debt evaluation analysis is free. The process involves your counselor contacting all your creditors and developing a payment schedule, one that is comfortable for you. Once this process is completed you simply make one monthly payment to the Ohio Consumer Credit Counseling which is then disbursed among all your creditors. Most often the creditors will drop late payment charges and fees for being over your credit limit.

Other Alternatives - Debt Negotiation or Debt Settlement

There are times when credit counseling is not the right solution for you. In that event, Ohio Consumer Credit Counseling also has debt negotiation and debt settlement programs. Your counselor sends letters to your creditors asking for either a repayment schedule or an amount that is agreeable between your counselor and the creditor to settle the debt. Debt settlement could possibly reduce the amount owed by approximately 60% to 80% and serve as an alternative to bankruptcy.

Orange County California 92705 services have several branches located throughout Ohio and West Virginia. Many branches offer some general counseling services free of charge. The counseling agencies also have lawyers and real estate agents that can help with bankruptcy counseling and housing counseling.

Community Education - Get Smart with Your Money

Educating the consumer about credit and how to use it wisely is another responsibility of Ohio Consumer Credit Counseling services. There are programs offered to individuals that can be taken online or attended in a classroom environment. The programs are also offered as presentations, workshops and seminars. These same presentations, workshops and seminars are held at community centers, schools, and work places.

You can learn quite a bit about how to manage your budget, save money for the future, and to achieve short and long term financial goals. Most of these courses can be taken online, over the phone or in person.

Those Affiliated With Consumer Credit Counseling Ohio

There are several nonprofit organizations that offer debt consolidation, debt management, credit counseling, and financial planning that are affiliated with Consumer Credit Counseling services. Some of the organizations are local community outreach centers, churches, and banks.

Respect your credit and your credit will respect you. There are no quick fix solutions to repairing bad credit. Recovering from bad credit and getting back to having a good credit score takes a good deal of time with your credit counselor and a lot of patience. On average, the usual amount of time to return to good credit can range anywhere from 1-3 years depending on each individual's situation. Once your credit is in good standing, take advantage of educational opportunities to use credit wisely and to positively change your spending habits.

Source: http://nemesis.astro.ncu.edu.tw/wikipedia/index.php/User%3AUrenaHollie602

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