Counseling, Consolidation and Debt Settlement
We take the point of view that it is about education and truth. Lenders are required by law to provide disclosure as to the costs you will incur by taking on credit card debt.
Once you are in credit card debt however, trying to get relief or help can be very challenging. You may have done some research on debt solutions or debt settlement, you may have read about debt consolidation or bankruptcy as solutions to resolve your overwhelming debt. While these options have merit in some cases, there are many companies out there who will try to take advantage of you even as your are trying to budget your money and create a plan to get out of debt.
Review the articles below to ensure that you are a well informed consumer prior to taking any action to reduce your debt through bankruptcy, debt settlement, or debt consolidation. Also read our articles on debt management to ensure you are able to maintain control over your finances in the future.
Bankruptcy Advocacy - What Choices are available and how to determine when bankruptcy is the right choice for you.
Debt Consolidation Advocacy - Learn about debt consolidation and if it is the right choice to help you resolve your credit card debt.
Debt Settlement Advocacy - Find out if settling your credit card debt for less than the amount owed is the right decision for you.
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State Guides to Credit Card Laws
- North Carolina
- West Virginia