What kind of services do you provide?
How can American Debt Counseling help me?
How does American Debt Counseling work?
So, you can fix my bad credit with one visit?
Don’t I need to own my home to qualify?
What is the cost for your services?
Is there a charge for a consultation?
What kind of services do you provide?
American Debt Counseling provides the following services:
- Bill Paying Service
- Budgeting
- Help with Creditor Harassment
- Home Foreclosures
- Housing and Utility Delinquencies
- Loan Modifications
- Debt Management Education
- Settlements
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How can American Debt Counseling help me?
As a full-service debt management agency, we have helped people with:
- Reduction in Interest Rates, Late Fees and Penalties
- Budgeting
- Car Repossessions
- Home Foreclosures
- Utility Shutoffs
- Bill Paying
- Past-Due Charges
- Judgments and Garnishments
- Housing, Utility and Loan Delinquencies
- Collection Agencies and Creditor Harassment
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How does American Debt Counseling work?
You call in for your free appointment.
We do a budget analysis of your situation, which tells us where you stand and what would be the best program to get you back on your feet. If the plan is for you, we would then contact your creditors and set up a payment program with them that fits your budget – a plan that leaves enough money for you and your creditors. Once you are back on an even keel, we will show you how to take the program over on your own or stay with us until the bills are all paid.
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So, you can fix my bad credit with one visit?
No! There are a number of credit repair scams that all offer you instant credit repair ... unfortunately, they can cause you a variety of problems and even get you into legal trouble. These scams operate by obtaining a new tax identification number for you, usually in a manner that is legally reserved for businesses. This new number is a blank slate credit-wise, but if you use it instead of your own identification number you can be charged with fraud.
American Debt Counseling works legally and ethically on your behalf by analyzing your current debt situation, contacting your creditors, setting up a realistic payment plan, and providing you the support and information you need to stay on the path of financial health.
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Don't I need to own my home to qualify?
No! Some credit consulting agencies are actually fronts for other credit companies that offer a second mortgage or home equity line of credit. While these loans may allow you to consolidate your debt, they also require your home as collateral, come usually at some outrageous interest rate, and put your long-term financial health at undue risk. Meanwhile, the agency collects its fees on the financing or refinancing of your home.
American Debt Counseling is an independent agency, firmly in your corner, working solely for your benefit. We consult creditors and collection agencies in a manner that is best for you, and establish a realistic payment plan that works for you in your effort to regain financial freedom.
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What is the cost for your services?
In the interview, which is free, we’ll tell you exactly what your charge will be. Everyone has a different bill situation, therefore charges vary between clients. However, the program has to be affordable, otherwise we could not even have you use our service.
We suggest you come spend an hour or so, see what we can do, see what the program costs, and then you can make the decision that is best for you.
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Is there a charge for a consultation?
No, there is no charge for counseling.
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Let American Debt Counseling help you stretch your dollar. Why wait? Click on the Get Started link or call us today to regain your financial freedom!
