Debt Consolidation may be better then bankruptcy
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Common Questions

Q:

How do I choose a credit counseling service?

A:

A good credit counseling service will treat you with respect, have certified credit counselors to assist you in developing an action plan around your needs, be accredited through the Council on Accreditation (COA), have a good record with the Better Business Bureau, and have depth of experience. We recommend using the oldest, most established company that meets your needs, such as Credit Advisors (in business for over 45 yrs.). They will have the contacts with creditors and the experience working with people like you to make a debt management program a positive experience for all parties. We also recommend you do your own independent research but be wary of new, fly-by-night debt management operations. Remember that if something seems too good to be true, it probably is. Debt management through credit counseling is usually the best option for consumers in debt, but it will require some discipline on your part. A Credit Advisors counselor will help ensure you are placed into a realistic payment schedule and get creditors off your back so you can focus on making your payments on time. You want to get out from under the looming shadow of overwhelming debt. You want debt collectors to stop harassing you. You want to rebuild your credit and assume financial control. Credit Advisors can help you do all these things.

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