Below is an article that reviews credit counseling.  We recommend using the debt settlement way to relieve your credit card debt.  We want to provide you with all the debt relief options that are available so you can decide which method is right for you. 


     Legitimate Consumer Credit Counseling Services (CCCS) employ certified counselors trained in the area of consumer credit and will review your entire financial situation and come up with a personalized debt management and budgeting plan to help resolve your financial difficulties.  They will then contact your creditors and negotiate a lower temporary interest rate and a scheduled payment plan.  Upon setting up an agreed amount you can apply to your bills, you will send your payments to the (CCCS) who will in turn disburse the monies to the creditors.  You are required to make regular, timely payments, and could take up to 48 months or longer to completely pay off your debts.

Choosing a Credit Counseling Agency

Credit counselors should be certified and trained in the areas of consumer credit, money and debt management, and budgeting, and should discuss your entire financial situation with you, and help you develop a personalized plan to solve your money problems without pushing a debt management program. An initial counseling session typically lasts an hour, with an offer of follow-up sessions.

A reputable credit counseling agency should also provide you with free information about itself and the services it provides, without requiring you to provide any details about your situation. Once youíve developed a list of potential counseling agencies, check them out with the Better Business Bureau to see if they have a satisfactory record, how many complaints (if any) have been filed again the credit counseling agency, and for what reasons. The United States Trustee Program also keeps a list of credit counseling agencies that have been approved to provide pre-bankruptcy counseling.

Questions to Ask a Credit Counseling Agency

Here are some questions to ask to help you find the best credit counseling agency for you.
  • What services do you offer? - Look for a credit counseling agency that offers a variety of related services, including budget counseling, and savings and debt management classes. Avoid agencies that push a debt management plan (DMP) as your only option before they spend a significant amount of time analyzing your financial situation.
  • What educational materials/information do you offer? Is it free? Avoid credit counseling agencies that charge for educational materials or other written information.
  • What are your fees? Are there set-up and/or monthly fees, how are they broken down? Get a specific price quote in writing and make sure you understand exactly what fees you'll be charged, and what services you'll receive for each fee.
  • What if I canít afford to pay your fees or make contributions? Under the terms of the Pension Protection Act of 2006, non-profit credit counseling agencies must provide services for free if a consumer is unable to pay. If a for-profit credit counseling agency is unwilling to work with you, look for a non-profit agency.
  • Will I have a formal written agreement or contract with you? Make sure you get a written agreement which sets for any promises that have been made, and the fees you will be charged. Donít sign anything without reading it first.
  • Are you licensed to offer your services in my state? Many states require credit counseling agencies to be licensed in each state, so make sure any agency you do business with is licensed (if necessary) and is able to do business in your state.
  • What are the qualifications of your counselors? Are they accredited or certified by an outside organization? If so, by whom? If not, how are they trained? Try to use an organization whose counselors are trained by a non-affiliated party and who have a background in debt management, consumer credit and budgeting/finance.
  • Do your employees work on commission? If employees earn a commission for signing you up for certain services, making a contribution, or enrolling you in a debt management plan, you should steer clear.

Debt Management Plans


Some credit counseling services offer a debt management system. What is it? Instead of having to keep up with all of the payments yourself, you will have the option of submitting one lump sum payment to the credit counseling service and they will do it for you. One note of caution here: there have been instances of a credit counseling services missing their clientís payments, and if that happens, your credit report will suffer for it. Knowing that, be sure to check out the company thoroughly before signing up for their debt management program.






Click on the Debt Calculator Below

to see what debt category you fall under.



Send mail to for any questions or comments about our website.

Tel: 1-866-601-8909 .  Fax: (610) 545-5560 .

Copyright © ADS Financial LLC.