[flv:https://new.debtguru.com/video/ACF_quote1.flv 640 480]

Credit Counseling is done by the best certified debt counselors.

Most Americans find themselves at the end of each month without any money left over, or worse, going negative each month. More and more we are being stretched beyond our credit limits, and unfortunately most of us do not know how to handle our worsening debt situation on our own.

One of the best ways to help get you back on the right path to a healthy financial future is by going through a credit counseling program. If you need serious financial help, and are feeling overwhelmed with your current debt situation, you really should look into American Credit Foundation. Just fill out and submit the free quote form above, and without any obligation you can see just how much these services can help your financial situation.

You could be in one of the following positions:

  • The interest rates that are charged on top of your credit card balances are high enough that even if you’re paying more than the minimum payment on your credit cards the balance isn’t dropping at all.
  • The thought of taking out a debt consolidation loan so that you’d at least be writing fewer checks each month and maybe get a bit further ahead has occurred to you more than once.
  • There is some concern that, because you are putting all of your income into paying off your debts that you are not doing enough to save for your retirement or an emergency.
  • The monthly payments that you owe to your creditors are at that point where they are just a little bit higher than you’re comfortable with them being.

A good, solid credit counseling organization can help you learn how to better manage your money. This type of credit counseling can also reduce your payments. Another benefit of our program is lower interest rates. If you have late and over limit fees, we can help with that too. This type of financial counseling can consolidate your payments and get you out of debt in about one third of the normal time. So instead of just sitting back and watching your bills grow larger each month, take a minute to fill out our free consultation form. We will have one of our certified specialists contact you with information and ideas that will help you to improve your finances through a robust debt management option.

Our credit counselors are independently certified by the National Association of Certified Credit Counselors. Credit counseling evaluates your present financial status and gives a factual analysis of your current financial strengths and weaknesses.

Credit counseling involves taking a look at current financials: income, debts, savings, investments, etc. – then formulating an effective budget and debt payment plan.  We provide free budgeting assistance and scores of self-help articles that keep you up-to-date and help you make the right financial decision at the right time. Our counselors will discuss with your creditors on your behalf.

Getting Credit Counseling Help

Many consumers are afraid of handling their debt problems, and instead of taking action and getting the help they need, they do nothing, only to find that the problem continues to get worse each month. What many do not know, is that there is counseling help available. Credit problems are frustrating, but they don’t need to ruin your life, a specific financial plan can help. There are simple steps that can be taken that will dramatically improve your financial situation.

If you need assistance and support in getting out of debt, the form above can help you in finding the debt help information you need. Our debt counseling specialists will walk you step by step through the process needed to help you to better understand your personal income and spending habits; these services will really help get you on top of your financial situation.

Don’t wait any longer to get more information about how our program can help you. Start today, get a free financial analysis, and feel the excitement of knowing that with American Credit Foundation you are quickly on your way to becoming debt free. Fill out the credit counseling quote form to the left to get involved in an effective plan that will help you rid yourself of the burden of debt today! You will be glad you did, and amazed at how easy it is to get your finances under control with a financial solution.

http://new.debtguru.com/credit-counseling/importance-of-credit-counselingImIm