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Additionally, one-third of NFCC members are multi-service agencies specializing in community-based social service programs such as youth mentoring, foster care, and substance abuse programs. The NFCC provides counselor certification for nonprofit credit counselors employed by their member agencies in the areas of credit card debt, student loans ...
Credit counseling could be a viable option if you're struggling to repay your debt. Debt management plans, bankruptcy counseling, student loan counseling and housing counseling are all popular ...
Consumer debt counseling and management services have been available to individuals with serious credit problems going back to the 1950s. There are generally two kinds of services that have been available. Some of these services have provided counseling coupled with assisting debtors in establishing programs to pay off debts over an extended time.
Credit counseling is most often done by Credit counseling agencies that are empowered by contract to act on behalf of the debtor to negotiate with creditors to resolve debt that is beyond a debtor's ability to pay. Some of the agencies are non-profits that charge at no or non-fee rates, while others can be for-profit and include high fees.
Avoid bankruptcy: Note that some experts consider debt settlement to be worse than bankruptcy. Debt settlement can also stay on your credit for seven years, and you’ll likely have the penalties ...
While credit counseling agencies are nonprofit, a fee could be attached to each monthly payment you make. Pros of debt management programs You obtain a personalized roadmap to help better manage ...
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