Credit Counseling - A Payday Loan Alternative

For some, a credit card is not an option. You may have a bad credit rating or have already gotten in over your head with debt.

Many people have financial problems because they have trouble budgeting. If that is the case, it can be wise to seek credit counseling. Many universities, military bases, credit unions, housing authorities, and branches of the U.S. Cooperative Extension Service operate non-profit credit counseling programs. Credit counseling organizations can give you advice on how to manage money and debts, as well as assist you in developing a budget. It is often best to find an organization that offers in-person counseling. A counselor will discuss your financial situation with you and help you devise a plan to solve your money problems.

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It is important that you find a nonprofit counseling organization to help you. Some organizations claim to be nonprofit but will charge fees - even very high ones - that may make matters worse. Check for referrals among friends, family, your local consumer protection agency, or a financial institution such as your bank. Do your homework and research each company before deciding on a counseling agency that best fits your needs. You shouldn't be charged fees for getting help with your money matters. You can find some good information on these web sites and you may also be interested in using a software program, such as Microsoft Money or Quicken. These programs help you track your expenses, income, and even debt repayments. They can help you create your own budget so you can stay on top of your financial needs in the future.

Request information from certified credit counselors today >>