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Credit Counseling - Tennessee

Today, many consumers in Tennessee and all over America are struggling with high balances on their credit card debts, regularly missing payments, and in need of debt relief and credit counseling. If you too are experiencing your own debt crisis due to financial circumstances that are beyond your control, there is good news. These days, there are several debt relief options that can help you manage or reduce your debts; these options can include debt consolidation through credit counseling, debt settlement, or bankruptcy. Here's a brief overview:

Credit counseling offers a way to combine, or "consolidate," debts spread across multiple credit cards and unsecured debts (such as medical bills, utilities, or department store charges) into a single, more structured, and more manageable payment plan. In contrast, debt settlement is a debt relief option that has become popular among consumers who need relief from high-balance credit cards (typically $20,000 to $125,000 or more). With debt settlement, debt specialists typically negotiate with creditors on your behalf, with the goal of settling or negotiating your debt for significantly less than what you owe. Both debt relief options have become, for many consumers, popular alternatives to bankruptcy. While bankruptcy can also help clear credit card debts, it also has a more damaging and longer lasting impact to personal credit.

To find out how debt relief can help you or how much you can save, answer a few, simple questions to request a free debt relief analysis and savings estimate now. It only takes minutes-start now!

Benefits of Credit Counseling

If you have multiple credit card debts or other types of unsecured debts (like medical bills, retail store charges, or utilities), credit counseling or debt consolidation can offer a proven and predictable path to getting out of debt. Here's how it works and how it can benefit you:

A credit counseling service or agency will typically evaluate your finances and create a budget to help you pay down your debts at an accelerated pace. After credit counselors determine how much money you can reasonably allocate to paying off your debts, they will generally speak to your creditors asking for more lenient payment terms - such as reduced interest rates or waiver of late fees or other penalties. Creditors that accept the proposals are then placed into the debt management plan, or DMP.

The goal is, with a more lenient and simplified payment plan, you can, hopefully, pay off your debts faster than if you only continued to make the minimum payments at higher interest rates. In addition, credit counseling can save you money, allow you to pay off debts at a pace that fits your budget, and can reduce stress because you can regain control of your finances.

"How Does Settlement Work?"

A debt settlement program is fundamentally different from debt consolidation. Unlike credit counseling where you pay off the entire amount of your debt, with debt settlement, you are hoping to get relief by negotiating with creditors for substantially less than what you owe. In a successful settlement, many consumers can save a substantial amount of money and settle credit cards in as little as 12 to 36 months.

Take note, however, of the potential risks with settling your debts: Credit scores typically decline because debt settlement involves "falling behind" on credit card payments, allowing consumers to save funds over an extended period of time in order to make a settlement offer (lump sum). When you skip payments, you are, essentially, defaulting on the terms of your credit card agreements and creditors may threaten to take legal action to collect debt.

However, in spite of the risks, debt settlement is still a popular alternative to bankruptcy - which has a more devastating and longer lasting impact on your credit.

State-Sponsored Programs

If you are struggling financially due to a loss or reduction of income, consider state-sponsored services or programs that are designed for low-income residents. The state of Tennessee offers many programs for its residents who need assistance with job training or in getting access to health care services and other basic necessities like food, child care, and other benefits. In addition, the state's Housing and Development Agency has programs designed to help residents with their housing and mortgage concerns, including avoiding foreclosure.

Your Savings with Credit Counseling?

For many budget-conscious consumers, debt consolidation or credit counseling, if followed faithfully, offers an accelerated and more predictable way to paying off credit card and unsecured debts. In addition, it allows many consumers to save money, reduce interest rates, and waive late fees or penalties. With debt consolidation, the amount of money that you can save every month generally depends on several factors: the total amount of your debts, the current interest rates, and any late fees or penalties.

The bottom line is, if you need relief from credit card and unsecured debts, there is help available. So why not take the first step, explore your options, and determine which program can help you manage or reduce debts, and give you back your financial freedom? Answer a few, simple questions now to get your free debt relief analysis and savings estimate. Start here.

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