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Consumer Credit Counseling Service :: Debt Management Services :: Consolidate Debt

Consolidate debt and lower your monthly payments. Experience relief as you move towards a debt free future. Money Management International (MMI) and Consumer Credit Counseling Service (CCCS) are non-profit community service organizations that provide confidential financial guidance, free consumer credit counseling services and debt management assistance.

Debt Management Program :: Consumer Credit Counseling :: Financial Help :: Reduce Monthly Payment

Consumer credit counseling service advisors work with you to eliminate debt. When you enroll in a Debt Management Plan (DMP) we'll reduce your monthly payments, work with your creditors and create a personalized plan to help you achieve your financial goals.

Debt Management Services

We can enhance your debt recovery and management system with comprehensive services in ... network services to support all your debt management activities. ...

Free debt management company plans, services and programmes

Free debt management plans company. Solutions from non-profit debt advice company. No fees debt management plans mean you get debt free faster

Debt Management Services from CCCS

CCCS' Debt Management services: Answers to frequently asked questions about CCCS' debt management services.

Online credit counseling from ConsolidatedCredit.org offers credit counseling and debt consolidation that doesn't require a loan.

At CareOne Credit Counseling, we are committed to providing all of the support and guidance you need to become, and continue to live debt-free.

Credit Counseling and Debt Management Services at Novadebt

Novadebt Debt Management Services is dedicated to helping consumers with credit card debt who need debt consolidation. The services provided typically include individual credit counseling, financial education, budgeting and working with creditors to facilitate debt repayments and stop collection calls.

AAMC: DEBTHELP - Educational Debt Management Services for Residents

DEBTHELP - Educational Debt Management Services for Residents is designed for residents and medical school financial aid officers and GME staff who counsel them on their student loans.

Overview: Debt Management: Programs and Systems: Financial Management Service

Overview: Governmentwide Debt Collection information available at FMS' web site. The Web site provides information on the Treasury Offset Program, Cross-Servicing, child-support enforcement, administrative wage garnishment, regulations related to these programs, and workshop/conference information related to debt collection activities. The Debt Collection Improvement Act of 1996 (DCIA), debt portfolio analysis, and the Treasury Report on Receivables Due From the Public are also available at this Web site.

Credit Card Management Services - Non-Profit Debt Consolidation Credit Counseling Organization

Credit Card Management Services, a non-profit debt consolidation credit counseling organization.

Debt Management Services

regulating debt management services; licensing, service, fees, and penalties. Licensing ... may not perform debt management services for a consumer or ...

Consumer Credit Counseling, Debt Management and Debt Education

Located in Fort Lauderdale, Florida, The Credit Counseling Foundation is a non-profit 501(C)(3) consumer credit counseling organization with the primary goal of assisting individuals and families nationwide with managing and paying off their debts and lower payment debt relief.

Debt Reduction Services – Debt Management and Debt Consolidation

Debt Reduction Services provides education, credit counseling, debt management and debt consolidation services to consumers with bad credit, student loans, credit card debt, personal or other unsecured debt.

Financial Management Service: A Bureau of the U.S. Department of the Treasury

The Financial Management Service is a bureau of the United States Department of the Treasury. FMS provides central payment services for federal program agencies, operates the federal government's collections and deposit systems, provides governmentwide accounting and reporting services, and manages the collection of delinquent debt owed to the federal government.

American Debt Management Services, Inc.

Debt consolidation credit counseling and debt management services can get you out of debt 50-75% faster. Contact American Debt Management Services.

Working With A Debt Management Service

How to find and work with a debt management service.

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About.com Credit / Debt Management
Get the latest headlines from the About.com Credit / Debt Management GuideSite.

Don't Leave Your Wallet in an Unlocked Car
17 Mar 2010 at 6:30pm

If you want to keep your credit cards safe, don't leave your wallet in an unlocked car. An Ohio woman recently had two credit cards stolen from her wallet after leaving it in the glove box of her unlocked car. She was only in the store for 15 minutes, but the thief managed to make a $400 charge on her card in less than two hours.

Leaving your credit cards in your car is rarely safe, but if you have to leave them there, lock them in the glove box or trunk. When you return to your car, check to make sure your wallet and credit cards are still there.

It's a good thing the bank had this victim's accurate contact information. That allowed her to find out the cards were missing before the thief was able to do more extensive damage.

Related Reading:

When Your Credit Cards are Lost or Stolen Your Liability for Stolen Credit Card Charges 7 Ways to Avoid Credit Card Fraud

Don't Leave Your Wallet in an Unlocked Car originally appeared on About.com Credit / Debt Management on Thursday, March 18th, 2010 at 00:30:49.

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Avoid Embarrassing Credit Card Declines
16 Mar 2010 at 6:25pm

Actress Mischa Barton (from The O.C.) made headlines this week for having not one, but two of her credit cards declined at the register. Her friend ended up having to pay for her purchase. A declined credit card is embarrassing enough when you're a regular person, but when you're a celebrity (and I use the term loosely) and the world is watching, it's worse.

If you don't want to be embarrassed at the checkout register, call your credit card company before you make a purchase to be sure your credit card is still active and that you have available credit. To be on the safe side, make sure you have enough cash on hand or in your checking account to cover the purchase. That way, you have a backup source of funding.

Avoid Embarrassing Credit Card Declines originally appeared on About.com Credit / Debt Management on Wednesday, March 17th, 2010 at 00:25:38.

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Don't Fall for iPad Credit Card Scams
13 Mar 2010 at 4:01am

If you want the new iPad, but don't want to pay $499 for it, those Facebook ads about an iPad beta test or a iPad contest prize might sound attractive. The ads claim you can get a free iPad and all you have to do is give out your credit card number to pay for shipping. Or, they want you to enter your mobile phone number so they can sign you up for a subscription service that's added to your monthly cell phone bill.

The iPad currently costs between $499 and $829. If you see an offer to pay less than that or to get one for free, get suspicious. Read through free offers with an eye out for the "catch" because there probably is one.

The iPad is available for pre-order through the Apple website - www.apple.com/ipad -  or from an Apple retail store. Be on the watch for third-party scammers who claim to have iPads for pre-order.

Source: eCreditDaily.com

Related:

7 Ways to Avoid Credit Card Fraud Safe Online Credit Card Shopping Tips How to Spot Credit Card Email Scams

Don't Fall for iPad Credit Card Scams originally appeared on About.com Credit / Debt Management on Saturday, March 13th, 2010 at 11:01:43.

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Want to Be Debt-Free? Change the Way You Spend
10 Mar 2010 at 4:30am

You could try to pay your way out of debt, but if you don't change certain spending habits, you'll find it close to impossible to become debt-free. One of the first things you have to do is tally up your debt and come to grips with what you owe. Learn four other habits to change before you try to get out of debt.

Want to Be Debt-Free? Change the Way You Spend originally appeared on About.com Credit / Debt Management on Wednesday, March 10th, 2010 at 11:30:02.

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The Fed Proposes a Rules to Limit Credit Card Fees
7 Mar 2010 at 7:10pm

The Federal Reserve has proposed a rule that would limit penalty credit card fees - those fees that are imposed when you default on your credit card, e.g. miss a payment. Right now, credit card companies are charging the maximum penalty fee to the majority of their customers. If it's passed by Congress, the new rule could end that practice.

The rule would stop credit card companies from charing fees that are more than the violation. For example, if you go over your limit by $5, your maximum over-the-limit fee would be $5. The rule would stop inactivity fees and prevent cardholders from being charged multiple times for one violation.

You can let the Federal Reserve know what you think about the proposed rule by commenting at their website. Make sure you leave a comment for R-1584.

The Fed Proposes a Rules to Limit Credit Card Fees originally appeared on About.com Credit / Debt Management on Monday, March 8th, 2010 at 02:10:52.

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Watch Out for Unauthorized Charges From iTunes
5 Mar 2010 at 7:05pm

Note: This news story came out last year, but many readers are still facing problems with fraudulent charges from iTunes.

A MyFox New York story warns about fraudulent credit card and check card charges that appear to be from iTunes. The first signs of the fraud include charges or pending authorizations from a APL*ITUNES business for $1.00 which might seem to be accurate or an email for gift card receipts that were purchased with your account. The fraud is happening to a wide-variety of people who may or may not have an iTunes account. From the news story:

The high-tech scam has claimed victims from New York to California. At the heart of it all is Apple's wildly popular iTunes. Victims say it starts with an unexpected e-mail for purchases they never made. That's how Rachel Katz from Manhattan found out, "I got two emails thanking me for my purchase."

But by the time victims get the e-mail receipt it's usually too late. The receipts appear to be legitimate, and come from Apple, generated by the user's iTunes account. The receipts show purchases for iTunes electronic gift certificates and charges that hit checking accounts, credit cards or PayPal depending on what the user has linked to his or her iTunes account.

Some of the thieves wait for the $1.00 charge to complete before hitting the account with even higher charges. Sending an initial small charge through first allows the thief to determine whether the account is legitimate.

Many victims of the fraud are having trouble fixing the situation. Neither the banks nor Paypal nor Apple accept ownership. Meanwhile, victims are left without hundreds, even thousands of dollars.

Brett Larson with MyFox recommends deleting your credit card information from iTunes. Instead, he suggests you fund your account with an iTunes gift card. The cards can be purchased from many retailers like Wal-Mart, Target, and Best Buy. Or, you can make iTunes purchases with single-use credit card number available from your credit card company.

I just deleted my credit card information from iTunes by going to Store --> View My Account. I clicked on Edit Payment information and next to "Credit Card" I selected the radio button next to "None."

If you notice an authorization or charges from Apl*itunes, contact your bank immediately. Here are some Tips to Avoid Credit Card Scams and information about disputing inaccurate credit card charges.

via Consumerist

Watch Out for Unauthorized Charges From iTunes originally appeared on About.com Credit / Debt Management on Saturday, March 6th, 2010 at 02:05:33.

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Are Some Creditors Trying to Hide the True Cost of Credit?
3 Mar 2010 at 7:42pm

Credit card issuers are now required to include credit card repayment time and cost on the front of your billing statement, but they may be trying to skirt that new requirement.

Credit card issuers are now required to give a minimum payment warning letting you know just how much you'll end up paying in interest if you make the minimum payment on your credit card. They also have to clearly state late payment penalties including late fees and penalty rates. Both these disclosures are supposed to be printed on the front of your billing statement.

The rule applies to printed statements and if you check your billing statement online, you might not see the warnings unless you download the PDF version of your statement. Could this be the real reason why some private-label credit card issuers started charging consumers a dollar to receive paper statements?

CreditCards.com reports that back in December of 2009, retailers who issue through Alliance Data Systems gave cardholders the option to get their statements online or pay $1 for paper statements. Of course, there'll be some customers to pay the fee because they can't or won't check their accounts online. The ones who opt for online statements could miss out on vital information about how much they're paying for credit.


Are Some Creditors Trying to Hide the True Cost of Credit? originally appeared on About.com Credit / Debt Management on Thursday, March 4th, 2010 at 02:42:48.

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Beware Credit Card Skimming
2 Mar 2010 at 5:18pm

Credit card skimming is a type of credit card theft that allows thieves to steal your credit card information without stealing your credit card. After being hidden in ATMs and other credit card machines, credit card skimmers collect your data in what would have been a legitimate transaction. Waiters, retail clerks, and other customer service representatives can hold skimmers in their hands and swipe when you're not paying attention. Learn more about credit card skimming, how to recognize a skimmer, and how to avoid the theft.

Related Posts:

Your Liability for Stolen Credit Card Charges Credit Card Telephone Scams 10 Ways to Detect, Prevent, and Fight Identity Theft

Beware Credit Card Skimming originally appeared on About.com Credit / Debt Management on Wednesday, March 3rd, 2010 at 00:18:06.

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5 Ways to Spend Your Tax Refund
26 Feb 2010 at 5:18pm

It's tax season and for many taxpayers that means a tax refund is due. If you know you're getting a refund, you've probably already started thinking about how you're going to spend it. Buying consumer goods would stimulate the economy, but paying off some credit card debt would stimulate your get-out-of-debt plan. See 5 Ways to Spend Your Tax Refund for some ideas on what you can do with this year's income tax refund.

5 Ways to Spend Your Tax Refund originally appeared on About.com Credit / Debt Management on Saturday, February 27th, 2010 at 00:18:53.

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How to Share a Credit Card
24 Feb 2010 at 5:31pm

My very first credit card was a joint account with my mom. It worked out perfectly for me. I'd make charges and she'd pay the bill. We never talked about it, which we should have, and eventually she told me not to use the card. Guess it would have been nice if I'd have contributed to the payments.

When you share a credit card with someone else, you can't take for granted that one or the other will pay the bill, because they might not. You have to discuss everything you'd naturally make a decision about like spending limits and payment habits. You have to think about what happens with the credit card if the two of you sever ties.

Read Managing a Joint Credit Card for details on how to share a credit card with someone else. Pros and Cons of Joint Credit Card Accounts can help you make the decision to get a credit card with someone else.

How to Share a Credit Card originally appeared on About.com Credit / Debt Management on Thursday, February 25th, 2010 at 00:31:51.

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