credit counseling debt relief

 

...Discover how a debt relief plan:  
      -Helps reduce your bills & debt 57%  
......-Helps you pay off your debt faster  
      -Lets you make one monthly payment  
      -Gives you debt help for the future  
 

 

...Who qualifies for bill relief?
      -A monthly source of income

Instant free online quote, start now!

      -A minimum of 2 credit cards
      -Minimum of $2500 in debts  
   

As Featured In:

 It's Easy.
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 It's Secure.
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 It's Proven.
  Over 4.5 million helped.
 It's Accessible.
  24/7 account access.

credit counseling debt relief Client Testimonials

"thanks for taking the time to explain my options and for showing me there is a way out of my mess"

David A.. Plano, TX
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"I though that bankruptcy was my only option, you guys showed me there was a way to make everyone happy, thank you so much for helping my family"
June W..  Rancho Santa Fe, CA
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"I cannot thank your organization enough for answering my emails and making sure I have all the facts, this was so much easier than I had imagined"
Raylen Bass..  S, LA
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"its as if a huge weight has been lifted of my shoulders, I cannot that you enough for saving my financial life, I am now on the program and will be debt free in 2 years, thanks again"
Balinda T..  Indianapolis, IN
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"can it be possible, I am actually sleeping at night thanks to your program, the collection agencies no longer bother since you contacted them and we are on track to settling our debts, thank you from the bottom of my heart"
Linda N..  Salt Lake City, UT
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"it makes me laugh that I was stressing over the money, but 1 month ago I was pulling my hair out, I only wish I had done this a lot sooner, you guys were great"
Nancy S..  Washington, DC
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"well my wife and I still haven't made a decision yet, but I can promise you it won't be bankruptcy, thanks for all your advice and patience"
Seven Parkside..  La Pointe, WI
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"we still have a hard time believing our creditors would agree to help us, but its done, debt free in 3 years thanks to your program, yipeeee"
Gloria D.. Cincinnati, OH
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"thanks for the quick response to my inquiry, I would recommend your service to anyone and in fact I have already"
Tom F..  Minneapolis, MN
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"though my student loan would be the death of me, thanks to your negotiating we both win and I can still have a life, thanks for all your help"
El P..  Johnstown, PA
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"just wanted to let your company know that all is well now and that your program has worked wonders for my families future"
Kelly A..  Columbus, OH
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"only wish I had done this sooner, everything has worked out well for us, thanks for your help"
Olivia D..  Pawtucket, RI
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"I am just so impressed how much better I feel thanks to talking with your representatives, they showed me all the options, we came up with a game plan, and I have already improved my credit score within 7 months, wonderful"
Anna S..  Juno Beach, FL
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Three Things I’ve Learned

08/29/10 9:57 pm

My wife challenged me to come up with a list 3 things that I have learned from my profession that everyone should know.  Although bankruptcy is my primary area of practice, I have been fortunate in my career to have had broad exposure to many areas of law.  I have the advantage of learning from [...]

Choosing The Right Bankruptcy Attorney For You

08/29/10 9:57 pm

Finding the right bankruptcy attorney for you is not an easy process. In the last several months, I have taken phone calls from 2 debtors that hired out-of-area attorneys only to be abandoned in the middle of complex Chapter 13 bankruptcy cases. Both paid lots of money up front only to be left without an [...]

test

08/29/10 9:57 pm

About the Author: Carl H. Starrett II has been a licensed attorney since 1993 and is a member in good standing with the California State Bar, the San Diego County Bar Association and the National Association of Consumer Bankruptcy Attorneys. Mr. Starrett practices in the areas of bankruptcy, business litigation, construction, corporate planning and debt [...]

This blog has moved

08/29/10 9:57 pm

This blog is now located at http://blog.chs-law.com/. You will be automatically redirected in 30 seconds, or you may click here. For feed subscribers, please update your feed subscriptions to http://blog.chs-law.com/feeds/posts/default. [...]

Hey, Scott, a couple months ago I contacted a company based in FL to help me with my creditors with the amount of 18000 in debts. I dont think they are helping me. what can I do?

08/29/10 9:57 pm

If you feel uncomfortable with how things are going with your debt relief company I’d discuss it with them and ask as many questions as possible so you can closely monitor the progress on your accounts. Don’t be shy, stay on top of them. Please realize that it does take time for the debt relief [...]

i just lost my job. i have a mortgage payment and a line of credit. the company has gone out of business and i need to lower the rate on the line of credit from the 15.999% no matter how many payments have been made the finance charges keep going up. now i am going to be on unemployment. the credit line is 15,000.00 can you help?

08/29/10 9:57 pm

I am very sorry to hear about your situation. I am not certain there is an easy solution to your situation without any income unless you have some savings you can tap into. A debt management company can help you lower your interest rate a bit and help with the charges, however you will still [...]

Should I close my credit card accounts before being late to avoid fees being added on during the settlement process?

08/29/10 9:57 pm

You should follow the instructions of the settlement company you use to a tee. They will let you know exactly what to do and when in order to make the process go as smoothly as possible. Thanks. Read more on Should I close my credit card accounts before being late to avoid fees being added on [...]

I’m making monthly payments on time to the credit card cos. MY credit score is or was 754 but my debt to income is a problem. I’m seeking help now before it gets worse if the finance charges go up, I’ll drown. How do you keep your credit good, keep one card for emergencies, and get rid of the debt?

08/29/10 9:57 pm

Thanks for the question. I wish I had a ingenious solution to offer you but unfortunately I only have a common sense answer for you and that is to pay off the credit card debts diligently as soon as possible and stop using the credit cards entirely. If you enlist the help of a debt [...]

Three Things I’ve Learned

08/24/10 10:10 am

My wife challenged me to come up with a list 3 things that I have learned from my profession that everyone should know.  Although bankruptcy is my primary area of practice, I have been fortunate in my career to have had broad exposure to many areas of law.  I have the advantage of learning from [...]

debt counseling | student loan debt consolidation | credit card debt settlement