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People with multiple credit card debts may be surprised to see how much money they can save each month — with a monthly debt relief plan
— FloridaDebtRelief.org
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Non-Profit Credit Counseling

With mounting debt problems for America's consumers, many are increasingly hearing the terms "non-profit credit counseling" or "non-profit debt consolidation." Non-profit debt relief or non-profit credit counseling are similar to their "for-profit" debt relief "cousins" and thus, offer similar services.

See how debt relief can help you. Answer a few, simple questions to get a free debt relief estimate and savings analysis - at no cost to you.

Due to federal regulations, service fees are paid ONLY after debt relief benefits have been achieved. No more upfront fees and no more upfront charges for people seeking debt relief from "non profits" and their "for profits" counterparts -- unless you are getting debt relief via an attorney and had a face-to-face meeting. Regardless of how a credit counseling company is positioned, the over-riding concern for consumers riddled with debt, should generally be the level of performance offered, the solutions given and how quickly debt will be reduced or paid-down.

Consumer Credit Counseling

Consumer credit counseling agencies can generally help many consumers pay-off unsecured debts at a more predictable pace. While non-profit credit counseling enrollment is often noted on credit reports, it could have some negative short-term impact as debt gets paid-down on a predictable timetable. However, as debt-level to credit-limit ratio improves, credit scores should, over time, begin to improve--especially with on-time payments made month after month.

Credit counseling agencies generally operate on a simple and direct premise: Make the monthly payment affordable, lower the interest rate, waive fees and penalties, and consolidate unsecured debt. It can be a win-win strategy for both the consumer and credit card companies.

Explore your debt relief options. Request a free debt relief estimate and savings analysis, at no obligation to you.

Non-Profit Bankruptcy

Bankruptcy, as a form of debt relief, can provide many consumers struggling with debt a fresh start. Like their for-profit counterparts, the non-profit moniker is a business and tax-code classification which, among other things, helps those companies support efforts at educating the consumer and potentially lowering fees for consumers seeking these types of services. Many non-profit bankruptcy are qualified and skilled at bankruptcy advice, and providing necessary paperwork. Many score high marks among consumers for levels of professionalism and results delivered. Low-income bankruptcy candidates may even qualify for waivers related to pre-petition fees if low income qualifications can be met.

Debt Settlement Companies

Generally, debt settlement companies offer the following services:

  • Help the consumer negotiate for less than the full amount owed with creditors.
  • Help provide the consumer in financial distress with a viable alternative to bankruptcy.

While debt settlement companies are often successful in negotiating settlements for clients for less than the full amount owed, it should be noted that initially stopping payments to credit card companies will typically result in negative credit reporting. Credit scores are affected and lawsuits can occur during this period. It's equally important, however, to note that credit card companies understand that it's often in their best interest to accept the new terms sought by debt settlement companies. The old adage: "That something is better than nothing" - should a debtor decide to go bankrupt - is a reality credit card companies are keenly aware of.

The bottom line is, many consumers have made debt settlement a popular alternative to bankruptcy. It could save a substantial money for the consumer, and the negative effects to a consumer's credit when using debt settlement are still less severe and long lasting than bankruptcy. Bankruptcies typically appear on a consumers' credit history for 10 years. Regardless of which debt relief option you choose,it is important to understand that no debt relief solution make debts magically go away. If you are on a debt management program through a credit counselor, you are still responsible for having money available each month for the monthly payment plan. If you are on a settlement program, it is also up to you to save up funds, over an extended period of time, and use them to make a settlement offer later.

Are you a Florida resident in need of debt relief? Find out what debt relief could do for you. We make it fast and convenient to get your free debt relief analysis and savings estimate--at no obligation.

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People helping people get the debt relief they need.

Creditors calling?

When you're falling behind with credit card debts and creditors are calling – it feels great to know that there's a debt program to lower your payments and get you out of debt much faster than you ever imagined.
Who we're helping right now...
$30,000 debt relief savings estimate
– Big Spring, TX

Unexpected bills

Credit card debts and unexpected medical bills can put you in a real bind. Fortunately, debt relief plans can reduce interest rates, lower monthly payments, and help you get out of debt faster.
Who we're helping right now...
$30,000 debt relief savings estimate
– Big Spring, TX

A brighter future

When you work hard to provide a bright future for your children, you don't want high interest credit card debts to get in the way. You need a proven path to become debt free as quickly as possible.
Who we're helping right now...
$10,000 debt relief savings estimate
– Marshall, IL

Debts piling up

When you own your own business, it's easy for credit card debts to become a problem – bills piling up, creditors calling, and you need a way out. The good news is, debt relief can help you save money each month and take control of credit card debts.
Who we're helping right now...
$90,000 debt relief savings estimate
– Leesport, PA

Supporting a family

Credit card debts can add up quickly, especially when families run into unexpected expenses like medical bills, or loss of a job. The good news is there are credit card debt hardship programs that can help you.
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Financial hardships

When you go through tough times and credit card debt start closing in on you – it feels good to know there are debt hardship assistance programs to help you get back on track.
Who we're helping right now...
$20,000 debt relief savings estimate
– Albany, NY

Retire debt free

When you're planning for retirement, paying monthly credit card minimums will get in the way of your dreams. The good news is, credit card companies may be willing to reduce your interest rates, waive late fees or even settle debts for much less than you owe.
Who we're helping right now...
$50,000 debt relief savings estimate
– West Columbia, SC