credit counseling
Credit Counseling
by Debt Management Credit Counseling Corp.
866-618-3328
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Debt Management Credit Counseling Corp.(DMCC) is a nonprofit credit counseling organization committed to educating consumers on financial issues and providing personal assistance to consumers who have become overextended with debt. Our certified credit counselors provide personal assistance through free budget counseling, housing counseling and debt management plans to lower credit card interest rates and monthly payments.
Our Programs:
Debt Relief Services:
-Debt Management Plans (DMP) Our can provide you a repayment plan that you can afford for your credit cards, IRS debts, collection accounts and other unsecured debts. It is designed to eliminate or reduce high interest rates, consolidate your debt payments, eliminate over-limit charges and late fees, stop collection calls and payoff your accounts within 5 years or less. Monthly fees are pursuant to state regulations.
-Payday Loan Assistance-We can get you an affordable repayment plan for your payday loans. Fee based service.
-Student Loan Assistance-Our counselors will determine your available options and help you get a forbearance, consolidation or an affordable repayment plan for your federal student loans. The U.S. Department of Education offers these programs to borrowers at no charge, but you must complete and submit the required forms and documents to obtain the program desired. You may choose to do this yourself or retain DMCC to assist you for a fee.
Credit Services:
-Credit Score Analysis-Get a written report that shows you specific actions you can take to increase your credit scores, for a fee. This service is designed to complement the free credit reports that you are entitled to obtain each year from the three major credit bureaus, which do not include your credit scores.
-Identity Protection/Credit Monitoring To protect you from identity theft, DMCC has partnered with SafeIDLock to provide identity protection and credit monitoring services at a discounted rate. Retail Price: $150/year OR $25/month.
Housing Services:
-Foreclosure Prevention and Loan Modifications-As a HUD Approved Housing Counseling Agency, DMCC will help you identify the best solution to avoid foreclosure while meeting your personal goals.
-Home Buying Education-Learn about the ins and outs of buying a home and obtain the education required for many financial assistance programs. Fee based service.
- Reverse Mortgage Counseling-If you are 62 or older, learn about the loan that pays you and get the required counseling certificate.
-Homeless Initiative-The Homeless Initiative provides programs and services available for individuals and families experiencing homelessness or at risk of homelessness.
Our services for Mortgage Payment Assistance and the grant programs we provide are free of charge to eligible homeowners.
Counseling Services:
-Student Loan Counseling-Counselors will help you identify the options available for the repayment of your federal student loans.
-Bankruptcy Counseling and Education-Provides you the counseling and educational certificates required to file bankruptcy and have your debts discharged. Fee based service.
-Budget Counseling-A certified credit counselor for a free budget analysis, including recommendations to reduce your spending and repay your debts. Free budget analysis and counseling session is for a debt management plan or debt consolidation quote.
Educational Services:
DMCC provides free education at its online site DMCC University. You can learn everything from creating a balanced budget, understanding and improving your credit, purchasing a home or developing a plan for a successful financial future. To learn more about what DMCC University offers and how you will benefit, please visit our website.
Education is provided free of charge to consumers, as well as personal counseling to identify the best options for the repayment of their debt. To speak to a certified credit counselor, call toll-free 866-618-3328 or email us. DMCC is located in Lighthouse Point, FL.
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Chico Rancheria Housing Corporation
http://www.chicorancheriahousingcorporation.org/
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The Chico Rancheria Housing Corporation's mission is to develop, implement, and administer projects and programs for the benefit of all tribal members of the Mechoopda Indian Tribe with a primary focus on the housing needs of low-income families.
Homebuyer Assistance program assists first-time home buyers in purchasing a home by providing assistance with a down payment. A first-time homebuyer is a person who has not owned a home in the last three years.
This program provides eligible applicants with a down payment of up to 25% of an approved loan. The funds are paid directly to the title company. Uses for these funds include title, escrow, home inspection, and closing costs. In addtion to down payment assistance, this program also assists with counseling and funds refinancing closing costs to existing homeowners.
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Military Personnel Credit Counseling
by Debt Management Credit Counseling Corp.
866-618-3328
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DMCC is a nonprofit 501c3 organization. Our goal is to provide you education, counseling and other services to improve your financial literacy and assist you in the management of your personal finances. All of our educational services and most of our counseling services are provided free of charge. Other services are available at discounted rates to all military personnel and and their families.
Services currently available are as follows:
Free services:
-Budget Counseling
-Student Loan Counseling
-Payday Loan Deferments (State of Florida residents only)
-Foreclosure Prevention Program
-Online Financial Literacy Program
-Online Educational Articles
-Online Financial Calculators
-Financial Guides and Brochures
-Educational Newsletters
Discounted services:
-Credit Score Analysis
-Debt Management Plans (Set-up Fee)
-Online First Time Homebuyer Course
-Reverse Mortgage Counseling Certificates
-Bankruptcy Counseling Certificates
-Bankruptcy Education Certificates
When contacting us for services, please be sure to let our counselors know you are active military, reserve, a veteran or family member.
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Debt Management and Credit Counseling
877-688-3328
Contact@DebtReductionServices.org
https://www.debtreductionservices.org/
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Debt Reduction Services is a non profit 'full service' debt management and credit counseling service organization that helps consumers to significantly improve their financial well-being. Our services include free budget and credit counseling, low cost debt management programs, and free community wide educational programs as a part of a complete and sound financial outcome for our clients.
The National Financial Education Center makes available to the general public several workshops and webinars on a variety of personal finance topics. The following webinars are available 24/7 for you to download and view on your own computer via the resource center at National Financial Education Center. You may also request a copy of our CD-ROM containing these seminars.
-Personal and Household Budgeting
-Developing Effective Spending Habits
-Using Credit Wisely
-Preventing and Eliminating Debt
A list of workshops and webinars on our website that are marked with a '*' are free, no registration required webinar 24/7.
Free Military Credit Counseling-As a token of gratitude we would like to offer any active Military member, regardless of Branch or Services rendered our services at no cost. The offer is currently extended to active duty / enlisted personnel only and may expand in the future. Debt Reduction Services will use an online verification process when validating active status. You will be in great hands from the very beginning of the consultation process. Our Credit Counselors are 3rd party certified as required by our nonprofit organization status.
To get help now, please call 877-688-3328
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Cambridge Credit Counseling Corps
800-235-1407
https://www.cambridge-credit.org/
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Cambridge Credit Counseling Corp. is an ISO 9000 registered debt counseling agency, dedicated to promotion a more knowledgeable and financially responsible America: by teaching sound money management practices; by assisting financially distressed individuals and families through appropriate counseling, education and advice; and by providing people with information and resources needed to attain, maintain and sustain housing.
Cambridge offers a menu of non-profit debt relief services. We are proud to provide consumers with a wide-range of services in an effort to assist people with nearly any financial issue they may be having.
At no cost to you, our counselors provide a thorough budget analysis and evaluation to determine the advice needed for your situation. After we complete that full financial assessment and go over all your options, if you decide that a debt management program is right for you, we'll send you a full breakdown going over any fee you'd be charged, if any, and what you would be saving by using a DMP. If you choose to become a client, your fees will be based on the rules and regulations set by your state. And although our initial and monthly fees are capped at $75 and $50 respectively, our average initial fee is just $40.00, and the average monthly fee is only $25.22.
Please visit the website to learn more or to schedule an appointment with one of our certified counselors. You can also choose to call us toll-free at (800) 235-1407 Monday through Thursday, from 8am to 8pm, or Friday from 8am to 5pm, Eastern time.
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800-990-9838
https://www.consolidatedcredit.org
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At Consolidated Credit Solutions our mission is to provide you with the advice, information, and financial education you need to budget and manage your money successfully, pay down your debts, and find your path to a brighter tomorrow. We’re a nonprofit financial organization with a focus on providing you with the tools you need to improve your personal finances and traverse the tough financial environment we face today.
From advice on how to budget your money better to credit counseling on finding the right debt relief option, we aim to take the mystery and uncertainty out of your finances so you can understand what’s happening with your money and make informed decisions for you and your family. Whatever your financial concern, we’re here to help!
In addition to personal finance advice and credit counseling, we also offer full-service housing counseling to help you better protect the biggest asset in your life. Whether you’re buying a home, looking to use the equity in your existing home, or facing foreclosure, we’re here to walk with you through the process and make sure you have the information you need every step of the way.
Call 800-990-9838 for more information. Finance and housing counselors are on call weekdays from 9 A.M. to 10 P.M. (EST).
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