Non profit credit counseling is most effective for those that have temporary financial difficulties such as medical problems, a recent divorce, or a job loss. Counselors assist you setting up a budget plan, negotiating a lower interest rate with your creditors, and requesting that any unpaid interest, late fees and other penalties be waived.

Believe it or not, presently there are people within the financial industry that do care about facilitating people get out of debt. Non profit credit counseling is a reliable way for people today to take hold of their debts and their lives.

If you are reading this and you feel you are at the bottom part of your hole with no way out, cheer up. This article is not seeking to sell you anything, but will offer you information to allow you to begin slashing your debt and guide you to a few non-profit credit counseling services that may possibly be effective to help give you a lift out of that hole.

The initial step of the credit counselor is to call the credit companies and clarify that you are actually trying to pay the cards off. They will request if your creditors could decrease the interest rate, then you would be able to make greater payments. That one piece of advice could help you save thousands in interest over the following years.

Respected credit counseling organizations advise you with controlling your money and debts, help you create a spending budget, and typically offer you free educational resources and training courses.

Their counselors are licensed and educated in the areas of credit and debt, money and debt management, and cost management.

Counselors go over your whole financial scenario with you, and help you build a unique strategy to remedy your money issues. An initial counseling period usually takes an hour, with an offer of follow-up sessions.

A reputable credit counseling agency should give you free information about itself and the services it offers without wanting you to give any particulars about your circumstances.

Non-profit credit counseling companies have individuals who will help you generate a plan of how to get out of debt and adhere to it. They will not consolidate your debt or file bankruptcy, but they will kick your butt if you get lurking behind on your plan.

Debt Free Solutions is a debt consulting company located in Long Beach, CA. We have been in business for 10 years. We assist Americans across the U.S. to eliminate excessive credit card and other unsecured debt.

We utilize various programs and strategies to aid them in dissolving their debt in the quickest, safest, and most efficient method possible. We also analyze the risk factor. We structure our programs to drastically minimize the risk that is inevitable with all debt elimination programs.

We offer our clients much more than a debt settlement company does. The vast majority of debt negotiation companies simply settle your debts on your behalf with your creditors- nothing more.

On the other hand, we provide free services to significantly help to minimize the risks that are involved wIth negotiating with your creditors.

First, we offer a free, no-risk 10 day trial service. During our free trial, we negotiate with your creditors on your behalf to lower your interest rates. Also, we research to see if you have any old debts that you are not legally liable to repay. If, for any reason, you are not completely satisfied, you simply walk away. No commitments. No contracts.

Next, we provide a comprehensive credit repair service to all our clients. This is a $795 service that is absolutely free!

Also, we offer free attorney consultation (a maximum of five sessions) in case one or more of your creditors makes any threats.

Last, we provide a written guarantee that our clients’ creditors will settle for an average of 50% or more for all of the debts they attempt to negotiate.

Our services are competitively priced- and include the above free services!