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Consumer

Some of our clients are prior consumer credit counseling clients seeking credit card debt relief who have paid hundreds of dollars every month to a debt management company that in turn paid their debts for them. Statistics have shown that over 75% of the time, consumer credit counseling fails to provide the credit card debt relief their clients are seeking. When it does fail, it costs these clients a great deal of money for very little gain. Many CCCs do not disclose that they receive their funding from the banks (the same banks from which you are seeking credit card debt relief) and are subject to all of the rules of the banks in order to qualify for this funding. They don't tell you that if you can’t make any payment in full and on time, you could be kicked out of their program. Worse yet, bank rules keep you from joining again for a full year.

Good questions to ask the credit counseling agency when evaluating its services:

  1. Will the agency refund fees if the services rendered are not satisfactory?
  2. How much training do counselors at the agency receive?
  3. Is the agency accredited by a trade association, such as the National Federation for Credit Counseling (NFCC) or the Association of Independent Consumer Credit Counseling Agencies (AICCA)?
  4. Do I have to make two payments up front in order to stay current?
  5. Does the agency have an independent board of directors?
  6. Does the agency keep clients' funds in a trust account, separate from its operating funds?
  7. How long has the consumer credit counseling agency been in business?
  8. What types of services does the agency offer?
  9. How long will it take to complete a debt-management program?
  10. What effect will working with a counselor have on a credit rating?
  11. Are agency services confidential?
  12. If I cannot make all payments in full and on time, will I be kicked out of your program?
  13. Will I be subject to any late fees?
Avoiding Bankruptcy

At Debt Shield, we help many people achieve credit card debt relief without filing bankruptcy. Different people want to avoid bankruptcy for different reasons: the stigma, the affects on credit, not wanting to lose non-exempt property, etc. It is possible to get credit card debt relief and take control of your financial destiny and your life, and we are dedicated to helping you achieve these realistic goals. The path is not going to give you a quick solution, just as getting into debt did not happen overnight. But we are professionals and we are here to help. After all, it is not only about seeking credit card debt relief, it is about financial and personal wellbeing. To get the facts about our alternative to bankruptcy, give our debt management company a call and one of our trained debt consultants will work with you to see if you qualify for our truly unique program.

Disclaimer: Debt Shield, Inc. does not provide legal, tax or investment advice. Debt Shield, Inc. does not assist in the repair, modification, improvement, extension or correction of credit entries or reporting.

If you have previously worked with a credit counseling agency to bring credit card debt relief, you should consider a real debt management company. Call us today to do things the right way.