Can a credit counseling service help me? Are you different then they are?

Can a credit counseling service help me? Are you different then they are?

1st question: Honest answer? Yes and No!
Yes, they can help you negotiate lower payments to your original creditors, and you will be able to make one monthly payment to the credit counseling service rather than many payments to all your creditors.

However, should you miss a payment or pay less than the minimum amount due to your original creditor, the creditor has the right to report you to the credit reporting agencies for making late or insufficient payments.

2nd question: Yes, we definitely are different. The credit counseling companies are in business (mostly so called “non-profit”) to take your money, negotiate with your creditors (only the ones that will pay them a negotiating fee) a lower monthly payment and possibly a lower interest rate and will receive a kick-back, a negotiating fee for doing it.

We will teach you how to do that for FREE. We are a non-biased 3rd party that has YOUR best interests at heart, not the creditors or bill collectors. We work for you – not them! We give you all of your options and help you decide what is best for you and your situation! Most importantly, the credit counselors do not clean up your credit reports or raise your credit scores. We can help you!!!