http://www.consumer-credit-counseling.org/credit-counseling/credit-counseling-agency/ A credit counseling agency provides education and debt relief to consumers. Find out all the other wonderful things you can get from joining the right credit counseling agency today. en-us Fri, 15 Apr 2005 16:52:48 EDT Fri, 15 Apr 2005 16:52:48 EDT Weblog Editor 2.0 A credit counseling agency is an organization dedicated to increasing the general public's level of awareness of sound credit use practices. These agencies provide educational material to the public at large, as well as more personalized counseling to individual consumers. The personalized side of credit counseling usually consists of an in-depth analysis of the client's unsecured debt, and a repayment plan that can realistically pull the consumer out of debt within 60 months. All of this and more will be yours to enjoy thanks to consumer credit counseling. There is also a Christian credit counseling agency for anyone who desires it. Get your debt under control again with non-profit credit counseling. Keys to A Credit Counseling Agency How does a credit counseling agency accomplish the goal of making you debt free? Usually, credit counseling services will have agreements with the major credit grantors whereby the credit grantors will relax interest rates and reduce minimum monthly payments in return for consistent repayment of debt by the consumer. This means that consumers enrolled in credit counseling programs will pay less each month, but a much greater portion of that money will go toward balances, rather than interest. This allows the credit grantor to quickly recapture the funds that were at risk, while allowing the consumer to get out of debt. It's a major advantage of credit and debt counseling services. There are other benefits to working with a credit counseling agency: One benefit is convenience: It is far easier to make one payment each month than it is to remember the due dates of nine or ten different credit cards. Only consumer credit counseling agency can provide this simplicity. Secondly, a credit counseling agency may be able to have nuisance fees (such as late or over the limit fees) waived while the consumer is enrolled in the program. Credit grantors tend to reward consumers who make consistent efforts to repay debt by re-aging their accounts after a number of completed timely payments. This means that a consumer's credit report will read as though the account was always paid on time. Finally, a credit agency can stop your creditors from calling to harass you about missed or late payments. Benefits of A Credit Counseling Agency In closing, a credit counseling agency can provide a wealth of benefits and services to consumers in need. In fact, a consumer does not even need to enroll in any program with a credit counseling service in order to reap the educational benefits. So take control of your credit and financial future, and research what a credit counseling agency has to offer you by getting a free credit counseling quote! When you take the initiative and fill out our secure form - you will immediately become eligible for our complimentary consultation where you can have all of your credit counseling program questions answered. Make the most of your time by preparing in advance. You won't be sorry you considered debt management credit counseling. If you apply today, you'll be that much closer to being debt free with credit counseling. Fri, 15 Apr 2005 16:52:48 EDT