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Credit Counseling Guide

Budget Help
Saving money is an important habit to develop. Not only do you need to set aside money for retirement, but it's also wise to have extra funds on hand to cover unexpected expenses.
Credit Counseling
you're behind on credit cards, medical bills, student loans, and other unsecured debts, you may need the services of a credit counseling firm. Here are some common warning signs. You can pay only the minimum balance due on credit cards or you miss the payment altogether.
Credit Problems
Those who've exhausted all other solutions to solve their credit problems and have no expectation of being able to pay their debts may have to consider filing bankruptcy.
Credit Report
Unless you check your credit report periodically for mistakes, you may not even realize a problem exists until you're denied a loan, turned down for a credit card or insurance, or fail to get a job due to negative information on your report.
Debt Collection
By law, you can stop debt collector calls by writing a letter to the collector instructing them to quit contacting you. After the collector receives your letter, he or she may not contact you again except to say that communication will cease or to notify you that the collector or creditor intends to take legal action.
Know Your Rights
There are many laws that have been established to help protect consumers. These help protect the consumer when dealing with their credit: Equal Credit Opportunity Act, Fair Credit Reporting Act, Fair Debt Collection Practices Act, Truth in lending Act.
Shopping for Credit
If you use credit cards, it's important to shop around for the best deal. The credit terms, including the interest rate, late fee, and grace period, can vary widely from one card to another.


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