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Consumer Credit Counseling Services (CCCS), now called Apprisen Financial Advocates, is a nonprofit group that offers to help people solve their individual money management difficulties.
Local branches of CCCS are located throughout the United States. You can communicate with CCCS in person, over the phone or on the Internet (www.apprisen.com). Your first meeting is free, but they do charge a fee for their continuing services.
CCCS emphasizes the education they can offer you and the value of their services. CCCS counselors are trained and certified by the National Foundation for Consumer Credit. They will be of assistance to you by providing you advice on managing your money, offering solutions to your present credit problems, and then will develop a personalized strategy to reposition you from your current state of affairs to secure financial health.
The Credit Repair Help You Need
CCCS has a good history of helping clients clear away their debts and encouraging them to stay free from further debt. CCCS probably has a service center close to where you live.
You should be prepared for your first counseling session at CCCS you need to bring to your counselor a complete financial picture of your current situation. Your counselor needs a full description of your current debts and then can give recommendations and support so that you can make payments on your bills and outstanding debts. They will then help you manage your income and expenses as well as a game plan that will keep you out of debt and be able to maintain a good, clean credit rating.
Get Your Spending Under Control
They do charge a fee for their services, but since their service is outstanding, your fee will be well worth it. Look at it this way – you somehow got into trouble with spending money. Maybe you spent it on something worthwhile like car repairs or perhaps you just swiped your credit card one too many times at Wal Mart. Now that you are in financial trouble, you need to find a reasonable way to control your impulses and improve your credit rating.
The experts at any branch of CCCS have extensive understanding and education that is able to help specifically with your troubles. They have found ways to negotiate with your creditors to come up with a workable repayment schedule that you can afford and that creditors would be unlikely to agree to if they worked directly with you.
Another fact you should know about Consumer Credit Counseling Service is they will be at your side through your debt repayment and credit recovery process.. After having worked together to develop your debt repayment plan, you can continue to work our a household budget that will help you become financially sound and keep you out of debt.
To locate a local office of Consumer Credit Counseling Services, look in your local yellow pages under “Credit Counseling Services”. You can also search the Internet to see if there is a local office near you. Another option is to call the home office for Consumer Credit Counseling Services to find a branch near you. The toll free number is 1-800-355-2227.
In our credit conscious world, credit can help or ruin you. The way you understand credit and how you use credit can help you or hurt you. You show wisdom by learning the skills and attitudes that allow the wise use of credit.
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