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  1. General Chat
    I'm new here. But one thing I've noticed is several ads for Credit Councelling ( sp ? ) . Just by coincidence, prior to coming here I was looking up this subject online and learned that all is not what it may seem to be with these outfits. It can really be a VERY BAD IDEA. I would highly...
  2. Financial hardship
    Does anyone know a good credit counseling service? I know many are rip-offs and I would like my son to work with one that has been used by someone that knows how they work. Let me give a little background here. My son just left a relationship of three years. His girlfriend has been in charge...
  3. Debt Reduction & Money Management
    Due to the economy and reduction in income we can't keep up with the credit card payments anymore. The interest has spiked and we just can't do it. So, if we decide to check into debt management programs, which ones should we consider? Any input from you about who you've used? Thanks!
  4. Dave Ramsey
    I thought he wasn't into that kind of thing? I noticed tonight a credit counseling service advertised on his show. I can't remember the name of it now, but I was surprised to hear it.
  5. Financial hardship
    I read this interesting article in The Washington Post this past weekend. Being a former mortgage banker, this interested me and I thought I would share it in hopes it might help someone. The grant program is called The Phases Program and those who live in the following states may be eligible...
  6. Debt Reduction & Money Management
    Use them or not??? I know they can really help people in need. I know what they are about and what they do but I wonder if I should use them or try it on my own. Okay, some background on me 1) We are struggling really bad right now 2) I have a truck lease payment that is 62 days behind (I...
  7. Debt Reduction & Money Management
    Has anyone used them? Had success with them? DB says his mother used one and has had great success with them, but he of course cant remember who she used. Is it true it looks just like a bankruptcy on your credit report? Ive heard so many different things about them, I dont know what to...
  8. Freebies
    Free Booklets - Christian Counseling http://www.ncfliving.org/index_literature.php
  9. Debt Reduction & Money Management
    http://www.msnbc.msn.com/id/18155301/
  10. Careers
    One of the careers I am thinking of pursuing is Counseling. It looks like I need a Masters Degree in Counseling Pscyhology to get started (60 credits and anywhere between 15 and 40K!). Is anyone here a Counselor and do you have any insights or information you could pass on to help me with my...
  11. Debt Reduction & Money Management
    Has anyone here done credit counseling with unsecured debt? What is your opinion on this? I have about 4500$ in unsecured debt (credit cards and medical bills) and am thinking of going thru credit counseling to get them paid off. What's everyone think??
  12. Debt Reduction & Money Management
    To find the nearest Consumer Credit Counseling Service (CCCS) office, contact: National Foundation for Consumer Credit, Inc., 8611 Second Avenue, Suite 100, Silver Spring, MD 20910-3372; 800-388-CCCS.
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