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How to Get FREE Debt Consolidation and Credit Counseling Help
It only makes sense that if you are in debt and trying to get control of that debt that you would like someone to help you and not charge you for that help. There is FREE debt consolidation help and counseling available. There are places like DCC that offers their clients free debt analysis, free credit/debt counseling, free educational materials, free seminars, free individualized budget planning and free assistance in establishing your short term and long term financial goals. Also in most cases they are able to significantly reduce your interest on all revolving credit and other unsecured debt. They have been in business for over ten years and have helped people all over the US. There is also CreditSolutions.com, and they offer one of the widest range of debt services. They do not do bankruptcy filings, but they can help you reduce your payments by 40-60%, they offer free consultation to help you determine what is best for you. They have an 800# that is open twenty four hours a day seven days a week. AmericanFinancialService.org is another company that will help you set up lower monthly payments and they will contact your creditors for you. They act as your representative, seeing as that when you are behind anyway having to deal with your creditor can be overwhelming. The difference between free services and not free services is what it will cost you in the end to work with them. For profit organization, the not free services, is unregulated which means that they are not subsidized by creditors and grants. This means that they will pass on the cost of operating to you. Which means a higher monthly service charge, often this is close to the amount of interest that they are going to tell you they are saving you. Many creditors do not want to work with for profit organizations or offer the clients the same type of concessions that they would offer to the client that was working with a not for profit organization. An added benefit to talking with a credit counseling agencies is that now the creditor can no longer contact you. This helps alleviate some of the stress while you are trying to get your finances under control. Hanging on to your debts is never a wise thing to do. Sit up and take action or your debts will get worse. Bankruptcy is not the only answer, it should be a last resort not the first thing you jump for. Don’t give up, take action and get things under control. Give free debt consolidation a try. You don’t have anything to loose. 
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