21. PayoffLess.com - National Association Of Credit Counseling Nonprofit debt management organization. http://www.payoffless.com/

Click here to apply online for a fresh start About Us Our Services Example of Savings Testimonials ... Contact Us Save up to 50%-70% off what you actually owe. This is not bankruptcy and this is not wishful thinking. We are the National Association of Credit Counseling, your nationwide nonprofit financial manager that will have your accounts paid off in a shorter amount of time and for a fraction of what you owe. Our debt elimination DOES NOT require home ownership or one large payment. We accept low interest free payments for either 12, 24 or 36 month payoff programs. Apply now to get started today! Click Here to complete our Fast App If this sounds too good to be true, see what our clients are saying about PayoffLess.com . Also, view our example of estimated savings Top of Page Home Contact Us

22. Bad Credit Repair: Fix Your Credit Score And Learn Debt Management Learn how to fix and repair your bad credit score. Information on paying off yourcredit card debt and fixing your bad credit score using debt management. http://www.zizzoo.com/guides/badcredit/index.php

Click here to bookmark this site For years now, we have worked with people to help them get out of debt. We often get the same questions "what is the quickest way I can pay off my debt?", "how can I get rid of all of the negative information from my credit report?, "I need a big boost in my credit score immediately... how can I do that?". Unfortunately, all of these people are looking for the same thing; credit repair secrets. Unfortunately there is no such thing. Although it's easy to forget this, due of all of the credit repair services advertisements out there, the truth of the matter is that repairing your bad credit and increasing your credit score is going to mean peanut butter sandwiches for lunch, a downgrade on your cable plan and a crash course in bad credit repair education. When things start looking rough for people with bad credits, the lure of those bright credit repair advertisements can look promising. Some are so convincing that they almost have you believe that the man in the ad sitting on in the rocking chair on the front porch of his house is actually a client of theirs and not a paid actor. We here at Credit Renovator It simply doesn't make any sense to pay someone to do something that you can easily do on your own for free. You can fix your own bad credit and increase your credit score by renegotiating all of the things mentioned above. This is the principle that the

23. The Bureau Of Credit Management UK firm provides Windowsbased software for credit control, debt collection and litigation. http://www.bcmnet.com/

24. Credit Counseling, Debt Management, Free Credit Counseling debt management services and plans, credit card debt reduction services, freecredit reports, free credit counseling, bill consolidation programs, http://fordebt.org/

About Us How It Works Application FAQs ... Calculator Need Help? Call Us Toll Free: 1-877-FOR-DEBT or 602 944-3849 click button for free application! Contact Us 2432 W Peoria Building 4 Suite 1063A Phoenix, AZ 85029 American Family Credit Counseling has been providing Free Debt Counseling, Debt Management Services and Budget Analysis to families and their creditors for over a decade. Our Debt Management Plans have helped thousands of families just like yours become debt free. If you feel like you're drowning in debt, let American Family Credit Counseling come to the rescue. "I'd like to invite anyone with credit problems to take advantage of the help that is available to you at American Family Credit Counseling (AFCC). Our professional counselors can arrange a plan that can get you out of debt in 3-5 years! Call now, it really works. Remember, It's never too late to save your credit."

25. Novadebt - Debt Management And Credit Counseling Services Novadebt is dedicated to helping consumers with credit card debt who need debtconsolidation. The services provided typically include individual credit http://www.novadebt.org/

A Garden State Consumer Credit Counseling Organization A Non-Profit Organization Helpful Resources Helpful Links Community Outreach Workshops And Seminars ... Contacting The Client Care Center Novadebt, A Garden State Consumer Credit Counseling Organization, is a non-profit, financial management, social service agency. It is our mission to provide financial education to the public including free housing and credit counseling services to families and individuals in need . Novadebt provides exceptional counseling services that are available to the public regardless of income, financial situation, type of credit card debt or amount of indebtedness. Founded in Freehold, New Jersey in 1991, Novadebt provides a wide range of services including: Free counseling to consumers in need; Education programs through workshops, courses and written material; Credit Report Review services; Debt Management Program to provide debt relief for applicable consumers; and Housing counseling services in the areas of pre-purchase, default and reverse mortgage. We are also a founding member of the Association of Independent Consumer Credit Counseling Agencies (AICCCA) Our agency is an advocate of financial education for the community at large and our focus is to provide these services in order to meet the needs of consumers. Our goal is to help the community and our clients achieve and maintain financial stability.

26. Consolidated Credit Counseling Services, Inc: Non-profit Debt Counseling Agency Consolidated credit Counseling Services offers an online debt consolidationsolution to certified debt management Counselors. Budgets are necessary to http://www.consolidatedcredit.org/

Member of the Better Business Bureau Since 1996. Call Now! (Toll Free) How It Works Free Quote About Us Learning Center ... Members Only Realize Freedom From Credit Card Debt! on-line debt counselor Free Quote and Budget Analysis Or Call Now! (Toll Free) Consolidated Credit supports victims of Hurricane Katrina. Read More Step 1 Contact Information First Name: Last Name: Home Phone: Work Phone: E-mail: Step 2 Creditor Information American Express Bank First Bank of America Visa/MC Capital One Visa/MC Chase Visa/MC Citibank Visa/MC Cross Country Visa/MC Department Store Card Discover First Consumer Nat'l. Bank First USA Visa/MC FNANB Gas Card MBNA Visa/MC Medical Bill Old Utility Bill Other Other Visa or Master Card Personal Loan Providian Visa/MC Sears American Express Bank First Bank of America Visa/MC Capital One Visa/MC Chase Visa/MC Citibank Visa/MC Cross Country Visa/MC Department Store Card Discover First Consumer Nat'l. Bank First USA Visa/MC FNANB Gas Card MBNA Visa/MC Medical Bill Old Utility Bill Other Other Visa or Master Card Personal Loan Providian Visa/MC Sears American Express Bank First Bank of America Visa/MC Capital One Visa/MC Chase Visa/MC Citibank Visa/MC Cross Country Visa/MC Department Store Card Discover First Consumer Nat'l. Bank

27. Eiger Capital Limited A credit research intensive investment manager specialising in the management of collateralised debt obligations, structured investment vehicles, and institutional corporate bond and assetbacked securities portfolios. http://www.eigercap.com

28. Credit And Debt Management Guides Providing plans and advice for managing your debt and improving your credit reportrating. Tools for credit monitoring, budget management, and lowering your http://www.sayplanning.com/saygoodcredit/

Credit Reports and Debt Management Center Providing plans and advice for managing your debt, building a good credit score, designing a personal budget and spending plan, and lowering your monthly bills. Use our simple bullet-point guide to review the credit and debt management process. Build a stronger financial picture using our planning tools. Simply start with our quick credit check up that summarizes the credit reporting process. It references our credit management guide . Review our credit guides on building your credit history maintaining good credit , and repairing your credit . Do you have debt? Your next step is to view our debt management guide. Use this guide to reduce and manage credit card debt, reduce and manage personal loan debt, and manage your mortgage loan debt. Here is a sample of what you can find when navigating our credit center: Credit Management Our credit management center reviews the important features of credit. It offers a simple review of credit management tools such as building credit, sustaining good credit, repairing your credit, preventing ID theft, and guidelines for consolidating and reducing credit card debt.

29. Graydon Nederland BV - Credit Management, Incasso, Debiteurenbeheer, Handelsinfo credit management company offering credit reports, debt collection and debt management services, operating in the Netherlands. http://www.graydon.nl

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30. Debt Management: Managing Your Debt Providing plans and advice for managing your debt and improving your credit rating.Tools for credit monitoring, debt management, and lowering your bills! http://www.sayplanning.com/saygoodcredit/manage-debt.html

your location: SayPlanning.com Credit-Debt Management Center Home Centers: Home Improvement: Relocation: Career Planning: Education Planning: Financial Management: Budget Planning: Credit Management: Small Business Services: Financing Guides... return credit report check-up All About Credit and Credit Types About Applying for Credit ... Avoiding ID Theft Find Debt Reduction Help Get Financing... Select State: Debt Reduction Notes note: steps for reducing and paying off credit card debt note: steps for reducing and paying off student loan payments note: use your mutual loans to consolidate and payoff debt note: use the equity in your home to consolidate debt Before You Exit Site need some more ideas?

31. Smartmoney.com: Debt Management: The Secret Life Of Your Social Security Number Article by Aleksandra Todorova. With Social Securitynumber (SSN)-only theft, oftentimes abusers have no intent of stealing anybody's good credit. They simply want the number so they can work and establish their own lines of credit — in their own name. In essence, two separate identities are created from one Social Security number. http://smartmoney.com/debt/advice/index.cfm?story=ssn2004

32. Springboard - Non-Profit Consumer Credit Management SPRINGBOARD is a nonprofit consumer credit management organization formed in1974 by local business Find out more at the credit/debt Recovery Blog http://www.credit.org/

var MenuLinkedBy='AllWebMenus [2]', awmBN='528'; awmAltUrl=''; SPRINGBOARD is a non-profit consumer credit management organization formed in 1974 by local business leaders and credit grantors. Our mission is simple: To offer education on the wise use of credit and to serve as an alternative to bankruptcy. Credit Education Credit and Debt Counseling Debt Settlements Credit Correction Services Income Tax Preparation Housing Counseling Hurricane Katrina Victim Relief Information!! Education is the key!! The cornerstone of financial freedom is personal finance education. In fact we feel so strongly about it that we have an entire section devoted to bringing you resources to help you on your journey towards financial freedom. Enroll In Our FREE DebtGuard Register for the Springboard Monthly E-Newsletter!

33. National Credit Risk Management Pty Ltd debt recovery services company with offices in NSW, VIC and QLD. http://www.ncrm.com.au/

Welcome to National Credit Risk Management Pty Ltd Credit Consulting Cash Flow Mgt. Litigation Service One of the most difficult areas of business is the credit function. We have credit experts who can help your business to increase your sales and profitability by the proper use of credit. For those businesses with a credit department, we can review current procedures, implement credit systems and train credit staff to ensure that you have the best possible credit function within your business. The main aim of cash flow management is to ensure prompt payment whilst maintaining customer loyalty. For over ten years we have specialised in cash flow management. We can train your staff to combine letter systems, telephone follow-up and solicitors demands to meet your individual needs and to bring your cash flow under your control. All members of the ARMS Group act in partnership with a professional Legal Practice. ARMS in NSW has engaged the services of Linton Pitt Lawyers The team offer full commercial litigation services to our clients on a cost effective basis. To initiate Litigation action by The ARMS Group

34. Debt Consolidation Credit Counseling And Debt Management debt consolidation credit counseling and debt management services can get youout of debt 5075% faster. Contact The credit Counseling Foundation, http://www.godebtfree.com/

Debt Consolidation, Credit Counseling and Debt Management Services Client Login Home How It Works Where To Start ... Valuable Debt Consolidation and Credit Counseling Resources Debt Consolidation Credit Counseling and Debt Management The Credit Counseling Foundation (TCCF) provides Debt Consolidation, Credit Counseling and Debt Management services to consumers nationwide who are experiencing difficulty in paying their monthly bills. TCCF can assist with a restructured debt program that will allow you to avoid taking the drastic measure of declaring bankruptcy or committing yourself to a long term debt consolidation loan that doesn't really solve the underlying problem.

35. D&B Australia - Maximise Your Cashflow Global provider of business information services, credit and risk management services, debt collection, marketing and publications. http://www.dnb.com.au/

Career Contact Us Media Legal Africa Argentina Australia Austria Belgium Brazil Canada China Czech Republic Denmark Eastern Europe Finland France Germany Greece Hong Kong Hungary India Ireland Israel Italy Japan Korea Latin America Magyarorszag Malaysia Mediterranean Europe Mexico Middle East Netherlands New Zealand Norway Peru Poland Portugal Russia-CIS Saudia Arabia Singapore Slovenia South Africa Spain Sweden Switzerland Taiwan United Kingdom United States document.write(myScroller.toHtml(175,52)); Request Your Individual Credit File Fair Positive Credit Reporting Direct access Marketing BWW PTG Jobsons WorldBase Who Owns Whom IMDD Direct access Credit Risk CreditGate Businesses CreditGate Individuals ASIC Search ABN Search Direct access Receivables LedgerView Direct access Collection DebtView 6 September 2005 Business Expectations Survey 22 August 2005 15 August 2005 More press releases DUNS 75 340 7170 ABN 72 256 863 039 ACN 006 399 677

36. Debt Management UK | Free Debts Advice | Consolidation Loans Abacus Offers debt management and debt Consolidation Services, debt Advice, IVAs, All existing credit cards, loans and other problem debts are http://www.clear-your-debt.co.uk/

Home Debt Management Debt Consolidation Repossession Help Debt Advice Guides ... Contact Us Consumer Credit License No. 482265 Company Registration No. 3904793 Advice Lines Open - Tue 20th Sep 8:30am to 9pm Money Worries ? Be Debt Stress Free in 24 hours. Reduce Loan Repayments Consolidate Debt Free Advice - No Obligation Submit the Instant Advice form for a priority phone call back Debt Management Debt Management can reduce your monthly repayments by up to 70%. All existing credit cards, loans and other problem debts are consolidated into one lower monthly payment. Submit the Instant Advice form and we'll explain how you may be able to pay back less than you owe, but still clear all your debts. Debt Consolidation Loans Refused a Loan? We can help you find a secured or unsecured debt consolidation loan. Even if you have bad credit, a County Court Judgment (CCJ) or have bad credit and been declined a loan already, we can help. We specialise in

37. Christian Debt Management Advice An article from a credit counseling office offering Christian advice for those facing financial difficulties. http://www.mycdc.org/debt-management.html

Christian Advice Debt Management Apply Articles Calculators Case Studies ... Other Resources Christian Advice: Is Debt management a problem? Debt management is one of the biggest problems that we can face when dealing with money. Mostly it is because we continue to spend more money than we have. At other times, it may be due to the wrong actions of others. Debt management issues always bring much stress and worry. Money also causes many temptations; sometimes when we are lacking money, but other times even when we have enough. We can be tempted to steal money from our place of work. Or to take bribes. Or to cheat the tax system. Some people may even consider selling their own bodies. But what may seem a small thing to start with, will make it easier to take more next time. It is a down-hill slide. 'Peer pressure' also causes us to want more money. We feel that if others - our 'peers' - have things, we are under pressure to have them also, so that we do not seem different. This is equally true in poor societies as well as rich ones. And every day, we see adverts telling us that we can only find happiness through buying that new material thing. Gambling in the hope of more money is a big problem in many societies. Today, most countries have a National Lottery. Everyone would rather hope for the 'big one' rather than setting up a sound debt management plan. Gambling is like a drug - it is addictive. It spoils lives:

38. Trinitycredit.org If Your Debt Has You Down, We Should Talk. Trinity credit counselors provide financial analysis and debt management programsto help you be debt free for life. http://www.trinitycredit.org/

39. Credit Control - Home Professional service firm attending to debt collection and credit management. http://www.creditcontrol.co.za/

COMMERCIAL COLLECTIONS CONSUMER COLLECTIONS SCHOOL FEE COLLECTIONS BENTLEY ATTORNEYS ... INDUSTRY LINKS W elcome to Bentley Credit Control BENTLEY CREDIT CONTROL IS A SOUTH AFRICAN PROFESSIONAL SERVICE FIRM THAT OFFERS THE VERY BEST SERVICE IN: BAD DEBT RECOVERY SEMINARS ON CREDIT MANAGEMENT AND BAD DEBT RECOVERY Article: Credit Granting The granting of credit by businesses in today's economy is accepted as the norm. Flowing from this is the inevitable evil of bad debt, bad debt handovers and bad debt write-offs. While this evil can not be completely eradicated it can be controlled and ... MORE Article: Are your standard terms and conditions part of your contract with your clients, or do you just think so? One of the basic principles of the law of contract is the doctrine of offer and acceptance. So let us say I am a widget dealer and you come to me and want to buy 10 widgets. You take a look at my widgets and ask the price of my widget and I advise you they are ... MORE DEBT COLLECTION Key information on our core service of bad debt recoveries, both locally and internationally through our alliance partner, as well as our costing structure. Also detailing our advantages and our relationship with Bentley Attorneys.

40. Debt Consolidation At Auriton Auriton debt Consolidation and credit Counseling Agency is dedicated to helpingconsumers with credit Auriton makes Best of Web under debt management http://auriton.org/

Debt Consolidation Services We Offer About Auriton Learning Center ... Tax Deductible Contributions About Debt Consolidation Program Credit Card Debt Debt Consolidation Loan Bankruptcy ... Debt Collection Harassment Free Consultation Call Toll Free Current Clients Call Toll Free Quick Clicks Free Consultation Contact Us Helpful Links Add Your Link ... Home Auriton makes Best of Web under Debt Management "Helping restore financial balance to people's lives" A 501(c)3 non-profit organization Debt Consolidation and Credit Counseling Free Telephone Consultation Free Online Consultation Have a Question for a Counselor? Our Certified Credit Counselors are standing by Services We Provide Debt Consolidation Learn how a Debt Management Program allows you to pay off credit cards and other debts with one simple monthly payment. Credit Counseling Learn how our industry certified credit counselors can help you analyze your credit report and educate you on how to repair credit. Budget Planning Learn how debt consolidation is possible once you understand how to budget your finances, in order to get debt relief and repair credit. Money Management Learn how we can help you develop a realistic budget that shows you how to live within your income and achieve your goal of debt management.

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