Credit counseling is a process where a debtor and a creditor agree on modified repayment terms, to ease the burden of debt on the debtor. The debtor is expected to repay their debt in full, and credit card debt is typically the only type of debt allowed into the credit counseling program. Credit counseling is not as versatile or as effective as debt settlement, however credit counseling and often manage credit card debt amounts under $10,000, whereas Debt Settlement typically requires a minimum of $10,000 of debt to qualify for the program.

In the long-run, credit counseling is often more severe on your credit report than debt settlement, however it is more friendly than bankruptcy. Debt Freedom Tips recommends debt settlement over credit counseling as a means for debt relief for debt amounts above $10,000 of debt, however credit counseling can still be an effective debt relief solution. To receive your free credit counseling consultation and quote, please complete the request form below. A certified Credit Counselor will discuss your debt relief options. Visit our discussion page for additional credit counseling information.

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After submitting your credit counseling quote & consultation request, a certified Credit Counselor will attempt to contact you. He/she will provide you with your debt relief options, program information, and answer any questions that you may have.

In addition to credit counseling services, what other debt relief options are available?

Help is out there! We recommend the following solutions:
Debt Settlement - Covers unsecured debts including credit card debt.
Home Loan Modification - Covers home loan mortgage debt.
Education, Small Business & Misc. Grants - True government grants for education, small business, community and miscellaneous purposes.
IRS Tax Debt - Find IRS and State tax debt relief and representation.
Work From Home Resources - Find work-from-home opportunities to help generate more income.

From our prospective, saving money is the same as receiving money. Debt Freedom Tips provides dozens of debt relief tips, articles, ideas and resources to help you become debt free.

Quick Debt Freedom Tips

Tip 12: Simply by making your mortgage payment twice per month at 1/2 the amount, rather than making traditional monthly payments, you could save tens of thousands of dollars over the life of your loan, and have it repaid several years early. Contact your mortgage company and see if they will accommodate, and if not, consider refinancing with someone who can.

Tip 1: When trying to pay down multiple credit cards, concentrate overpayment on the card with the lowest balance, while making near-minimum payments on the remaining cards. As cards are paid-off, do not lower your overall monthly debt payment until all cards are paid-off.

Tip 2: Your credit score impacts the cost of borrowing money (interest rate). The higher your credit score, in general, the lower interest you will be offered by creditors. Take active measures to keep your credit score high, and your overall loan payments will be lower comparatively.

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