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If You Have Credit Problems:

If You Have Credit Problems:

If You Have Credit Problems:

Call your creditors and ask to waive late fees, reduce the interest rate, and/or work with you to establish a re-payment schedule that will work for you.

If you have missed bill payments or have other credit troubles, you may benefit from the service of a financial counselor. Counselors help review your entire financial situation and help you develop a personalized money management plan. Be aware – just because a debt management agency claims to be “non-profit” doesn’t guarantee the services are legitimate or affordable.

A reputable agency should send you free information without requiring you to provide any personal details. Look for a range of services, including budget counseling and savings and debt management classes. Avoid any that push a debt management plan as your only option before they analyze your financial situation.

Visit the National Foundation for Credit Counseling (NFCC) website www.nfcc.org or call Toll-Free 1-800-388-2227 for assistance with credit problems and creditors.

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