budget counseling credit

Get out of debt and back on track today.

If you're feeling overwhelmed by your finances, the first step toward regaining control can sometimes be the hardest. We understand that, because we've helped thousands of people just like you. And we're here to help you take your next steps with confidence and hope.

Let's turn this thing around

Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.

After your session, our support continues with free debt advice and online assistance in everything from how to pay down debt to strategies for successful credit management and how to read a credit report. As always, our reprentatives are here 24/7 to help you build a brighter financial future.

Read more at budget counseling credit

pre bankruptcy counseling

Get started with your bankruptcy pre-filing counseling.

We are glad you chose CredAbility to begin your bankruptcy pre-filing counseling session. We are here to listen, answer your questions and provide the information you need. We strongly urge you to visit with an attorney to discuss the benefits, costs and consequences of filing for personal bankruptcy. And if you are not sure what you need, contact us—we will help you on the right path.

This counseling and the subsequent certificate can be received by telephone and online — in both English and Spanish. CredAbility’s counselors are available nationwide, 24/7.

To begin pre-filing bankruptcy counseling, call 800.251.2227 to schedule a telephone or in person appointment or click on the green "Start an online session" button above.

Read more at pre bankruptcy counseling

bankruptcy certificate

Get started with your bankruptcy pre-filing counseling.

We are glad you chose CredAbility to begin your bankruptcy pre-filing counseling session. We are here to listen, answer your questions and provide the information you need. We strongly urge you to visit with an attorney to discuss the benefits, costs and consequences of filing for personal bankruptcy. And if you are not sure what you need, contact us—we will help you on the right path.

This counseling and the subsequent certificate can be received by telephone and online — in both English and Spanish. CredAbility’s counselors are available nationwide, 24/7.

To begin pre-filing bankruptcy counseling, call 800.251.2227 to schedule a telephone or in person appointment or click on the green "Start an online session" button above.

Read more at bankruptcy certificate

budget and credit counseling

Get out of debt and back on track today.

If you're feeling overwhelmed by your finances, the first step toward regaining control can sometimes be the hardest. We understand that, because we've helped thousands of people just like you. And we're here to help you take your next steps with confidence and hope.

Let's turn this thing around

Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.

After your session, our support continues with free debt advice and online assistance in everything from how to pay down debt to strategies for successful credit management and how to read a credit report. As always, our reprentatives are here 24/7 to help you build a brighter financial future.

Read more at budget and credit counseling

reverse mortgage org

Reverse Mortgage: are the costs and risks worth it?

There are a lot of opinions about reverse mortgages. Some say they offer you financial freedom. Others warn of a financial stranglehold. So, who do you believe?

CredAbility has been offering expert financial advice since 1964.

We have helped thousands of people like you with free, expert financial counseling. First, we'll educate you on the pros and cons of reverse mortgages. Then we'll look at your individual circumstances. Because you are unique, we'll help you come up with a solution that is just right for you.

Read more at reverse mortgage org

credit counseling for bankruptcy

Get started with your bankruptcy pre-filing counseling.

We are glad you chose CredAbility to begin your bankruptcy pre-filing counseling session. We are here to listen, answer your questions and provide the information you need. We strongly urge you to visit with an attorney to discuss the benefits, costs and consequences of filing for personal bankruptcy. And if you are not sure what you need, contact us—we will help you on the right path.

This counseling and the subsequent certificate can be received by telephone and online — in both English and Spanish. CredAbility’s counselors are available nationwide, 24/7.

To begin pre-filing bankruptcy counseling, call 800.251.2227 to schedule a telephone or in person appointment or click on the green "Start an online session" button above.

Read more at credit counseling for bankruptcy

pre bankruptcy

Get started with your bankruptcy pre-filing counseling.

We are glad you chose CredAbility to begin your bankruptcy pre-filing counseling session. We are here to listen, answer your questions and provide the information you need. We strongly urge you to visit with an attorney to discuss the benefits, costs and consequences of filing for personal bankruptcy. And if you are not sure what you need, contact us—we will help you on the right path.

This counseling and the subsequent certificate can be received by telephone and online — in both English and Spanish. CredAbility’s counselors are available nationwide, 24/7.

To begin pre-filing bankruptcy counseling, call 800.251.2227 to schedule a telephone or in person appointment or click on the green "Start an online session" button above.

Read more at pre bankruptcy

bankruptcy counseling

Get started with your bankruptcy pre-filing counseling.

We are glad you chose CredAbility to begin your bankruptcy pre-filing counseling session. We are here to listen, answer your questions and provide the information you need. We strongly urge you to visit with an attorney to discuss the benefits, costs and consequences of filing for personal bankruptcy. And if you are not sure what you need, contact us—we will help you on the right path.

This counseling and the subsequent certificate can be received by telephone and online — in both English and Spanish. CredAbility’s counselors are available nationwide, 24/7.

To begin pre-filing bankruptcy counseling, call 800.251.2227 to schedule a telephone or in person appointment or click on the green "Start an online session" button above.

Read more at bankruptcy counseling

debt management plan

Become debt-free sooner than you think.

Getting into debt can happen to anybody. It can start with a job loss, a medical crisis, a natural disaster or even life in general. No one is immune.

But once your debt starts to mount, don't rely on just anybody to get you out of trouble.

CredAbility makes it simple to pay down your debt.

Through our Debt Management Plans (DMP), you can pay off your credit cards, lower your interest rates, eliminate fees and put an end to collection calls - forever. Sound like a plan? Good, because our Certified Credit Counselors can help you get out of debt in four simple steps.

Read more at debt management plan

bankruptcy class online

Our debtor education course will prepare you for a new beginning.

Pre-Discharge Bankruptcy Education
Required by law, before your bankruptcy case can be discharged- which means debts included in the bankruptcy are no longer considered collectible- you must complete Pre-Discharge bankruptcy education. This course lasts two hours. Topics covered include:

• Setting realistic financial goals
• Understanding your credit report
• Obtaining or re-establishing credit
• Managing budgets
• And more

Again, this course is required and only available to individuals who have already filed for personal bankruptcy. To enroll in this class you must provide your case number.

Read more at bankruptcy class online

credit counseling certificate

Get started with your bankruptcy pre-filing counseling.

We are glad you chose CredAbility to begin your bankruptcy pre-filing counseling session. We are here to listen, answer your questions and provide the information you need. We strongly urge you to visit with an attorney to discuss the benefits, costs and consequences of filing for personal bankruptcy. And if you are not sure what you need, contact us—we will help you on the right path.

This counseling and the subsequent certificate can be received by telephone and online — in both English and Spanish. CredAbility’s counselors are available nationwide, 24/7.\

Read more at credit counseling certificate

bankruptcy counseling online

Get started with your bankruptcy pre-filing counseling.

We are glad you chose CredAbility to begin your bankruptcy pre-filing counseling session. We are here to listen, answer your questions and provide the information you need. We strongly urge you to visit with an attorney to discuss the benefits, costs and consequences of filing for personal bankruptcy. And if you are not sure what you need, contact us—we will help you on the right path.

This counseling and the subsequent certificate can be received by telephone and online — in both English and Spanish. CredAbility’s counselors are available nationwide, 24/7.

Read more at bankruptcy counseling online 

free debt counseling

Get out of debt and back on track today.

If you're feeling overwhelmed by your finances, the first step toward regaining control can sometimes be the hardest. We understand that, because we've helped thousands of people just like you. And we're here to help you take your next steps with confidence and hope.

Let's turn this thing around

Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.

After your session, our support continues with free debt advice and online assistance in everything from how to pay down debt to strategies for successful credit management and how to read a credit report. As always, our reprentatives are here 24/7 to help you build a brighter financial future.

Read more at free debt counseling

bankruptcy classes

To get a fresh start, first get educated.

You've filed for personal bankruptcy and you're determined to make a fresh start. Now what? Well, the first thing you need to do is complete a Pre-Discharge Bankruptcy class. It's required by law and lasts two hours.

Prepare yourself for a new beginning

The more you learn about managing your money and establishing good credit, the more successful you'll be in life. This class will prepare you in four key areas:

• Setting realistic financial goals
• Understanding your credit report
• Obtaining or re-establishing credit
• Managing budgets

For your convenience, the Pre-Discharge Bankruptcy class is available online. To enroll, you'll need to provide your case number.

Read more at bankruptcy classes

budget counseling credit

Get out of debt and back on track today.

If you're feeling overwhelmed by your finances, the first step toward regaining control can sometimes be the hardest. We understand that, because we've helped thousands of people just like you. And we're here to help you take your next steps with confidence and hope.

Let's turn this thing around

Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.

After your session, our support continues with free debt advice and online assistance in everything from how to pay down debt to strategies for successful credit management and how to read a credit report. As always, our reprentatives are here 24/7 to help you build a brighter financial future.

Read more at budget counseling credit

debt management plans

Become debt-free sooner than you think.

Getting into debt can happen to anybody. It can start with a job loss, a medical crisis, a natural disaster or even life in general. No one is immune.

But once your debt starts to mount, don't rely on just anybody to get you out of trouble.

CredAbility makes it simple to pay down your debt.

Through our Debt Management Plans (DMP), you can pay off your credit cards, lower your interest rates, eliminate fees and put an end to collection calls - forever. Sound like a plan? Good, because our Certified Credit Counselors can help you get out of debt in four simple steps.

Read more at debt management plans

reverse mortgage counselors

Reverse Mortgage: are the costs and risks worth it?

There are a lot of opinions about reverse mortgages. Some say they offer you financial freedom. Others warn of a financial stranglehold. So, who do you believe?

CredAbility has been offering expert financial advice since 1964.

We have helped thousands of people like you with free, expert financial counseling. First, we'll educate you on the pros and cons of reverse mortgages. Then we'll look at your individual circumstances. Because you are unique, we'll help you come up with a solution that is just right for you.

Read more at reverse mortgage counselors

credit card counseling debt

You have the ability to get your finances back on track–defeat credit card debt and more with free budget planning counseling and education from CredAbility

In spite of the overwhelming financial distress you may feel, we are here for you, and we can help, with sound budget planning guidance that can help you defeat credit card debt and any other financial challenge you may be facing.

Our professional counselors offer confidential advice that helps you take a new look at budget planning, and helps you learn how to manage your credit card debt and any other debts, and help you learn how to start building savings. In a budget planning session, we’ll work with you to determine the most effective way to approach your particular situation, and, aftewards, we'll send you a personalized plan that can help you begin to stabilize your finances and meet future goals.

Read more at credit card counseling debt

bankruptcy class

To get a fresh start, first get educated.

You've filed for personal bankruptcy and you're determined to make a fresh start. Now what? Well, the first thing you need to do is complete a Pre-Discharge Bankruptcy class. It's required by law and lasts two hours.

Prepare yourself for a new beginning

The more you learn about managing your money and establishing good credit, the more successful you'll be in life. This class will prepare you in four key areas:

• Setting realistic financial goals
• Understanding your credit report
• Obtaining or re-establishing credit
• Managing budgets

Read more at bankruptcy class

credit counseling course

Our debtor education course will prepare you for a new beginning.

Pre-Discharge Bankruptcy Education
Required by law, before your bankruptcy case can be discharged- which means debts included in the bankruptcy are no longer considered collectible- you must complete Pre-Discharge bankruptcy education. This course lasts two hours. Topics covered include:

• Setting realistic financial goals
• Understanding your credit report
• Obtaining or re-establishing credit
• Managing budgets
• And more

Again, this course is required and only available to individuals who have already filed for personal bankruptcy. To enroll in this class you must provide your case number.

Read more at credit counseling course

online credit counseling

Get out of debt and back on track today.

If you're feeling overwhelmed by your finances, the first step toward regaining control can sometimes be the hardest. We understand that, because we've helped thousands of people just like you. And we're here to help you take your next steps with confidence and hope.

Let's turn this thing around

Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.

After your session, our support continues with free debt advice and online assistance in everything from how to pay down debt to strategies for successful credit management and how to read a credit report. As always, our reprentatives are here 24/7 to help you build a brighter financial future.

Read more at online credit counseling

debt management non profit

National Nonprofit Credit Counseling Organization Says Consumers Paid Down $122 Million in Debt in 2010, Most Ever in 47 Years

ATLANTA, GA – Consumers are using Debt Management Plans more than ever to get back on their feet financially. CredAbility reports that in 2010, 27,818 consumers participated in its Debt Management Plans (DMP) and paid back more than $122 million to their creditors. The $122 million is a record for the 47-year-old nonprofit credit counseling organization, and a three percent increase from the $118 million paid back in 2009.

“Many consumers are deciding to take control of their financial lives by working with their creditors to pay down their debt, even if it takes 36 months or longer,” said Vicki Williams, vice president of Debt Management Plan Services for CredAbility. “They realize that this is a more responsible way to reduce debt and rebuild their credit compared to debt settlement or debt consolidation services offered by for-profit companies.”

A Debt Management Plan (DMP) helps consumers who are struggling with credit card debt develop reduced payment programs with creditors. Many creditors offer favorable repayment terms to consumers who enroll in a DMP, including interest rates ranging from 6% to 10% on their credit card debt. These creditors may also eliminate late fees and penalties once a consumer enrolls in a DMP with a nonprofit credit counseling organization.

Read more at debt management non profit

bankruptcy course

Our debtor education course will prepare you for a new beginning.

Pre-Discharge Bankruptcy Education
Required by law, before your bankruptcy case can be discharged- which means debts included in the bankruptcy are no longer considered collectible- you must complete Pre-Discharge bankruptcy education. This course lasts two hours. Topics covered include:

• Setting realistic financial goals
• Understanding your credit report
• Obtaining or re-establishing credit
• Managing budgets
• And more

Again, this course is required and only available to individuals who have already filed for personal bankruptcy. To enroll in this class you must provide your case number.

The Pre-Discharge bankruptcy education class is available online.

Read more at bankruptcy course

non profit debt counseling

Our legacy of compassionate service and innovative solutions stands apart.

In the field of financial counseling, people have many choices. But few counseling agencies have been trusted for so long, by so many people, as CredAbility.  Since 1964, we have provided dedicated, compassionate care, helping millions of people move successfully from crisis to control.

Read more at non profit debt counseling

debt counseling non profit

Our legacy of compassionate service and innovative solutions stands apart.

In the field of financial counseling, people have many choices. But few counseling agencies have been trusted for so long, by so many people, as CredAbility.  Since 1964, we have provided dedicated, compassionate care, helping millions of people move successfully from crisis to control.

Read more at debt counseling non profit

debt management services

We have the right services to put your finances back on track.

CredAbility offers holistic care and support from experienced, certified counselors. We take a comprehensive view of your situation. And together, we will prepare a step-by-step plan to help you reach and maintain financial stability.

Our professional services include budget and credit counseling, debt management plans, housing counseling and bankruptcy counseling. Plus, we offer a comprehensive curriculum of educational programs.

All of our services are available nationwide—24/7, online and by telephone—in both English and Spanish. In addition, we offer in-person counseling at 28 offices throughout the southeastern US.

Read more at debt management services

debt management service

We have the right services to put your finances back on track.

CredAbility offers holistic care and support from experienced, certified counselors. We take a comprehensive view of your situation. And together, we will prepare a step-by-step plan to help you reach and maintain financial stability.

Our professional services include budget and credit counseling, debt management plans, housing counseling and bankruptcy counseling. Plus, we offer a comprehensive curriculum of educational programs.

All of our services are available nationwide—24/7, online and by telephone—in both English and Spanish. In addition, we offer in-person counseling at 28 offices throughout the southeastern US.

Read more at debt management service

non profit debt management

National Nonprofit Credit Counseling Organization Says Consumers Paid Down $122 Million in Debt in 2010, Most Ever in 47 Years

ATLANTA, GA – Consumers are using Debt Management Plans more than ever to get back on their feet financially. CredAbility reports that in 2010, 27,818 consumers participated in its Debt Management Plans (DMP) and paid back more than $122 million to their creditors. The $122 million is a record for the 47-year-old nonprofit credit counseling organization, and a three percent increase from the $118 million paid back in 2009.

“Many consumers are deciding to take control of their financial lives by working with their creditors to pay down their debt, even if it takes 36 months or longer,” said Vicki Williams, vice president of Debt Management Plan Services for CredAbility. “They realize that this is a more responsible way to reduce debt and rebuild their credit compared to debt settlement or debt consolidation services offered by for-profit companies.”

Read more at non profit debt management

debt management

Become debt-free sooner than you think.

Getting into debt can happen to anybody. It can start with a job loss, a medical crisis, a natural disaster or even life in general. No one is immune.

But once your debt starts to mount, don't rely on just anybody to get you out of trouble.

CredAbility makes it simple to pay down your debt.

Through our Debt Management Plans (DMP), you can pay off your credit cards, lower your interest rates, eliminate fees and put an end to collection calls - forever. Sound like a plan? Good, because our Certified Credit Counselors can help you get out of debt in four simple steps.

Read more at debt management

credit card debt counseling

You have the ability to get your finances back on track–defeat credit card debt and more with free budget planning counseling and education from CredAbility

In spite of the overwhelming financial distress you may feel, we are here for you, and we can help, with sound budget planning guidance that can help you defeat credit card debt and any other financial challenge you may be facing.

Read more at credit card debt counseling

student credit card debt

You have the ability to get your finances back on track–defeat credit card debt and more with free budget planning counseling and education from CredAbility

In spite of the overwhelming financial distress you may feel, we are here for you, and we can help, with sound budget planning guidance that can help you defeat credit card debt and any other financial challenge you may be facing.

Our professional counselors offer confidential advice that helps you take a new look at budget planning, and helps you learn how to manage your credit card debt and any other debts, and help you learn how to start building savings. In a budget planning session, we’ll work with you to determine the most effective way to approach your particular situation, and, aftewards, we'll send you a personalized plan that can help you begin to stabilize your finances and meet future goals.

Read more at student credit card debt

get a reverse mortgage

Reverse Mortgage: are the costs and risks worth it?

There are a lot of opinions about reverse mortgages. Some say they offer you financial freedom. Others warn of a financial stranglehold. So, who do you believe?

CredAbility has been offering expert financial advice since 1964.

We have helped thousands of people like you with free, expert financial counseling. First, we'll educate you on the pros and cons of reverse mortgages. Then we'll look at your individual circumstances. Because you are unique, we'll help you come up with a solution that is just right for you.

Read more at get a reverse mortgage

mortgage foreclosure process

Trying to prevent the foreclosure process? CredAbility can help with a free review of potential options such as mortgage modification, repayment plans and more.

Whether you’re facing the foreclosure process or are concerned you might, CredAbility can help with free, confidential foreclosure prevention counseling.

In a counseling session, we’ll help you understand the foreclosure process and review alternatives that may be available to you such as mortgage modification, which often requires working with lenders to refinance debt over a longer time period, thereby reducing the monthly payment. Other options might include temporarily suspended payments or special repayment plans.

Read more at mortgage foreclosure process

debt management counseling

Together, we can build a clear plan to best fit your needs.

It can happen at anytime and it can happen to any of us: A job loss. A medical crisis. A natural disaster. Life in general. Any number of unexpected events could potentially lead to mounting debt-and even the most prepared individual is not immune.

Through our Debt Management Plans, (DMP), you could minimize interest rates and payments to creditors, pay down your debt, eliminate fees and put an end to collection calls.

Read more at debt management counseling

credit counseling online

Get out of debt and back on track today.

If you're feeling overwhelmed by your finances, the first step toward regaining control can sometimes be the hardest. We understand that, because we've helped thousands of people just like you. And we're here to help you take your next steps with confidence and hope.

Let's turn this thing around

Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.

Read more at credit counseling online

hecm reverse mortgage

Reverse Mortgage: are the costs and risks worth it?

There are a lot of opinions about reverse mortgages. Some say they offer you financial freedom. Others warn of a financial stranglehold. So, who do you believe?

CredAbility has been offering expert financial advice since 1964.

We have helped thousands of people like you with free, expert financial counseling. First, we'll educate you on the pros and cons of reverse mortgages. Then we'll look at your individual circumstances. Because you are unique, we'll help you come up with a solution that is just right for you.

Read more at hecm reverse mortgage

free credit counseling

Get out of debt and back on track today.

If you're feeling overwhelmed by your finances, the first step toward regaining control can sometimes be the hardest. We understand that, because we've helped thousands of people just like you. And we're here to help you take your next steps with confidence and hope.

Let's turn this thing around

Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.

Read more at free credit counseling

credit card repayment calculator

Financial Dictionary

Asset
An asset is something you own, and includes cash, savings accounts, and personal property. In a balance sheet, assets such as the value of your home are offset by liabilities, such as your current mortgage.

Balance sheet 
A balance sheet is a financial statement that shows your financial assets (such as your savings account and home equity) compared to your financial liabilities (such as your mortgage, credit card debt).

Budget
A budget is a document that shows your spending goals for a designated period of time.

Compound interest
Compound interest is interest which is calculated not only on the initial principal but also the accumulated interest of prior periods.

Read more at credit card repayment calculator

agency debt settlement

Financial Dictionary

Asset
An asset is something you own, and includes cash, savings accounts, and personal property. In a balance sheet, assets such as the value of your home are offset by liabilities, such as your current mortgage.

Balance sheet 
A balance sheet is a financial statement that shows your financial assets (such as your savings account and home equity) compared to your financial liabilities (such as your mortgage, credit card debt).

Budget
A budget is a document that shows your spending goals for a designated period of time.

Compound interest
Compound interest is interest which is calculated not only on the initial principal but also the accumulated interest of prior periods.

Read more at agency debt settlement

approved credit counseling

Get out of debt and back on track today.

If you're feeling overwhelmed by your finances, the first step toward regaining control can sometimes be the hardest. We understand that, because we've helped thousands of people just like you. And we're here to help you take your next steps with confidence and hope.

Let's turn this thing around

Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.

After your session, our support continues with free debt advice and online assistance in everything from how to pay down debt to strategies for successful credit management and how to read a credit report. As always, our reprentatives are here 24/7 to help you build a brighter financial future.

Read more at approved credit counseling

bank reverse mortgage

Reverse Mortgage: are the costs and risks worth it?

There are a lot of opinions about reverse mortgages. Some say they offer you financial freedom. Others warn of a financial stranglehold. So, who do you believe?

CredAbility has been offering expert financial advice since 1964.

We have helped thousands of people like you with free, expert financial counseling. First, we'll educate you on the pros and cons of reverse mortgages. Then we'll look at your individual circumstances. Because you are unique, we'll help you come up with a solution that is just right for you.

Read more at bank reverse mortgage

bankruptcy alternative

Get out of debt and back on track today.

If you're feeling overwhelmed by your finances, the first step toward regaining control can sometimes be the hardest. We understand that, because we've helped thousands of people just like you. And we're here to help you take your next steps with confidence and hope.

Let's turn this thing around

Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.

After your session, our support continues with free debt advice and online assistance in everything from how to pay down debt to strategies for successful credit management and how to read a credit report. As always, our reprentatives are here 24/7 to help you build a brighter financial future.

Read more at bankruptcy alternative

bankruptcy calculator

Get out of debt and back on track today.

If you're feeling overwhelmed by your finances, the first step toward regaining control can sometimes be the hardest. We understand that, because we've helped thousands of people just like you. And we're here to help you take your next steps with confidence and hope.

Let's turn this thing around

Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.

After your session, our support continues with free debt advice and online assistance in everything from how to pay down debt to strategies for successful credit management and how to read a credit report. As always, our reprentatives are here 24/7 to help you build a brighter financial future.

Read more at bankruptcy calculator