81. Bankrate's Guide To Credit Management: Debt Help That Isn't Asking for help with debt and money woes isn t easy. Getting help could bedownright dangerous to your wallet and your credit rating, if you trust the wrong http://www.bankrate.com/brm/news/credit-management/counselinga.asp

Rate Alerts Glossary Help Mortgage Home Equity Auto ... Finance - advertisement - Debt help that isn't By Lucy Lazarony Asking for help when you have too much debt and not enough money isn't easy. But if you trust the wrong company, getting help could be downright dangerous to your wallet and your credit rating. A slew of credit-counseling and debt-consolidation companies looking to make a quick buck by preying on stressed-out, financially vulnerable consumers have opened shop. Some companies are guilty of shoddy service and sky-high fees. Others are out-and-out scams. "We've got a lot of shady operators. Why are a lot of shady people getting into the credit-counseling business? Because that's where the money is," says Travis Plunkett, legislative director at Consumer Federation of America. "Business is booming." It's easy to see why. As a nation we're wrestling with more than $744 billion in credit card debt. Toss in a sluggish economy and rising unemployment and it's no wonder so many American families are turning to these types of companies for help. But you'll want to choose that help carefully. Marilou Austin of Garden Grove, Calif., needed help with more than $30,000 in credit card and store card bills. In July, she called Gibson Trust Inc., based in Pompano Beach, Fla.

82. Credit Counselors, Consumer Counseling Agency, Debt Management Nonprofit credit counselors offering customized debt management programs andfinancial management advice. http://www.credit-counselors.cc/

consumer credit counselors consumer credit counseling service cccs We are excited to announce that the companies known as CDC Consumer Debt Counseling, CCCS-St. Louis, and Solutions, Inc. have merged with Credit Counselors to serve consumers as one national non-profit company, known as ClearPoint Financial Solutions, Inc. As one organization, we will soon be able to offer more financial resources and services to help you achieve your financial goals. Please stay tuned! Standards of Excellence Credit Counselors is accredited by the Council on Accreditation and the Association of Independent Consumer Credit Counseling Agencies (AICCA). Most importantly, we are affiliated with the National Foundation for Credit Counseling (NFCC)-the most established and trusted credit counseling trade organization. NFCC members, often known as Consumer Credit Counseling Service (CCCS), can be identified by the NFCC member seal. This seal signifies that an agency employs the best business practices possible to ensure your funds are safe and the agency's mission is focused on you-the consumer. Find out how Credit Counselors, a Non-profit Consumer Credit Counseling Service (CCCS) Agency, can offer you relief from collection calls and could save you hundreds of dollars every month. Start now with our

83. DebtWave Credit Counseling Services Offers nonprofit credit counseling and management services. http://www.debtwave.com/

September 20, 2005 DebtWave Credit Counseling, Inc. specializes in credit counseling and debt management for those looking for a quick and safe way to pay off their debt. Find out how our program works! Use our online calculators to help understand your personal situation better. Find out how long it will take you to get out of debt, your Debt to Income ratio and more. 1. Get our Evaluation Forms 2. How our program works 3. Apply Today 4. Debit Form ... 6. Client Login Understanding Credit and Budgeting are the most important tools in getting out, and more importantly, staying out of debt. Click here to find out what type of education we offer our clients. DebtWave Credit Counseling, Inc. is a 501(c)3 non-profit organization. Click here to view our credentials online. Also, click here for our phone number, address, etc. Already a DebtWave client? If you just enrolled, click here to find out what to do next. Login here to access your account. Need customer service help? Call (888) 686-4040

84. Bankrate's Guide To Credit Management Savings credit Cards debt management, College Whether you re applyingfor firsttime credit or are deep in debt, this section is for you. http://www.bankrate.com/brm/news/credit-management/debt-home.asp

Rate Alerts Glossary Help Mortgage Home Equity Auto ... Finance - advertisement - Managing your credit is more important and more complicated than ever. With good credit, you can get a bigger house, a better car, a lower credit card rate and less-costly insurance. Without it, you'll always have a drag on your finances and that means fewer of the things you want. Whether you're applying for first-time credit or are deep in debt, this section is for you. Not sure where to start? Try our debt-o-meter N O D E B T Do's and don'ts for establishing credit First-time credit users need to tread carefully to build a credit history. Why you should check your credit report If you are applying for a loan or credit, records of your previous dealings with someone else's money are vital. More no debt stories S O M E D E B T The future of FICO A little three-digit number, practically unknown a few years ago, keeps growing in importance for your finances.

85. Discount Debt University : One University : Many Ways To Get Out Of Debt Provides credit counseling services and debt management solutions. http://www.discountdebt.com/

Discount Debt University has been created to provide educational materials and information to people in need of Debt Counseling at no cost. Congratulations on your acceptance to the finest Debt University in the World and Good Luck on your Journey towards Financial Independence! The objective in educating the public about using credit wisely, budgeting, and managing debt, is to ensure that the public is making informed decisions. Each area of this website is designed to provide information in an easy to understand format including frequently asked questions, and strategies for eliminating debt and improving credit. Once you have completed your degree with DDU, you should be in a position to take the necessary steps to improve your financial position. You can also feel comfortable knowing that at any time throughout your educational journey, if you would like to speak with a Certified Financial Counselor, you can call us at 1-800-913-0121 or click here to send us an email Name: Email: Phone(Primary): Phone(Secondary): Best Contact Time: Select One Morning Afternoon Evening City: State: Zip: Total Debt: Select One Where did you hear about our services?

86. Get REAL Debt Help: Dave Ramsey's Total Money Makeover Plan bankruptcy debt management reduction consolidation help Where do most peoplego for debt help? Most people try credit repair companies, http://www.daveramsey.com/

Press Room FAQ About Us Contact ... Store Quick Finder Get Started with Dave Find a Live Event Live Events Info Tulsa, OK Nashville, TN Grand Rapids, MI New York, NY Oklahoma City, OK Dallas, TX San Antonio, TX Birmingham, AL Cleveland, OH Evansville, IN Louisville, KY Investment Seminars Nashville, TN - 10/29 Entreleadership Nashville, TN Dave Ramsey Show Find a Station Financial Peace Univ Find a Class Counseling Find a Counselor ELP Find an ELP Online Store MyTotalMoneyMakeover The Dave Ramsey Show See Dave Live! Financial Peace University ... Business Programs and Workplace Training Church Programs Military Program Counselor Training Dave Says Column ... The Barkers are debt free! Colby and her family call to tell Dave that they are debt free! That ole pesky student loan from Sallie Mae is a goner. More SIGNUP FOR DAVE'S eNEWSLETTER Email: POLL How would you pay for a $1,500 car repair? Credit card – whip out the plastic Cash advance Cash from emergency fund Work extra hours Home equity loan Call Mom and Dad View Results WHERE'S DAVE? Rick and Bubba The Early Show Quick and Simple Magazine More Appearances...

87. Debt Relief Steps, Your Free Guide To Debt Help. Articles on debt relief, and credit management and repair. http://www.debtsteps.com/

@import url("http://www.debtsteps.com/support-files/txtnew.css"); Debt Relief Steps Home Debt relief steps, your free guide to real help. Comprehensive reviews to help you protect your financial future. Are you searching for a way to get out from under heavy bills? Do you have unanswered questions on what to do to handle your finances? Are you unsure, wondering, confused Should you borrow to consolidate your bills? What loans and mortgages are available and can you qualify? What happens if you file bankruptcy? Is your credit ruined if you use credit counseling? What does negotiate settlement mean? How do your financial choices affect your credit reports? What are the pros and cons of bankruptcy, credit counseling, settlement? How often can your creditors contact you for payment? When does contact cross the line to harassment and how do you protect yourself? How Can You Possibly Compare All The Choices? Where do you find comprehensive reviews on bankruptcy, bill consolidation, consumer credit counseling, settlement, plus free money management tutorials, tips on handling bill collectors, or borrowing? Right here is where you get real comparisons Financial overload creates a lot of family stress. Stress hampers your ability to make the right decisions about your financial future.

88. Consumer Credit Counseling Service - Greater Fort Worth Texas help with eliminating credit card debt and with other debt management needs . credit report reviews. debt management Plans, Â, debt management Plans http://www.cccsfw.org/

Credit Counseling Network Sign up here for Free Tips from our Certified Credit Counselors! Enter Email Address: FOR IMMEDIATE RELEASE Credit Counseling Network and CCCS of Greater Fort Worth Announces Merger with Money Management International Fort Worth, TX (August 8, 2005) - Consumer Credit Counseling Service of Greater Fort Worth (a member of Credit Counseling Network), a non-profit public service agency, announced today its merger with Houston-based Money Management International. Since 1973, Consumer Credit Counseling Service of Greater Fort Worth (CCCS) has been a leading provider of financial counseling, money management education, debt management plans, and homeowner counseling and education. The merger follows a growing trend in the credit counseling industry to combine agency strengths to improve and expand services. CCCS of Fort Worth and its Credit Counseling Network partners are the fifteenth agency since 2000 to merge with Money Management International (MMI). Previous mergers include agencies in Texas, Arizona, New Mexico, Illinois, Pennsylvania, Virginia, Louisiana, Colorado, California, New Jersey, Maine, Oregon and Southern New England. MMI is the largest full-service non-profit credit counseling organization in the United States operating over 130 branch offices in 22 states. The combined organization will operate locally under the Consumer Credit Counseling Service of Fort Worth name and nationally under the name Money Management International. To schedule an appointment, please contact us at 1-866-864-8991.

89. Asset Credit Management S.A. Financial Services debt Collection http://www.assetdebtrecovery.com

A member of Credit Services Association Global Credit Solutions Debt Collection in Greece, Cyprus and Internationally Asset Credit Management S.A. is one of the most active and fastest growing business consulting firms in Greece and Cyprus, with more than ten years of experience. As part of our expansion program, we launched last year a debt collection scheme which ensures maximum recovery by bringing together our financial and legal expertise. Our list of customers includes banks, telecom, energy, finance and mail order companies, universities as well as wholesalers and high street retailers. Despite the disparity of our clientele, our services have been designed to accommodate the special needs of every individual customer. In pursuing collection we apply the latest modern technology to track down assets and utilise new concepts, which have been proved particularly effective. Our strongest point however is that we employ a team of experienced in-house greek lawyers who can provide prompt advice and effective service on request and at the lowest possible cost.

90. Consumer Credit Counseling Service - - Nonprofit Debt Management Welcome to the nonprofit Consumer credit Counseling Service of Atlanta and WestPalm Beach, Florida. CCCS of Atlanta offers free credit counseling and a http://www.cccsatl.org/

What can CCCS do for me? How long will my DMP take to complete? What can I do to ensure success in my DMP? What deposit options are available? ... Online client access CCCS is "truly interested in my financial recovery." Clark Howard Let Clark Howard help you spend less, save more, and pack a bigger punch in your wallet with excellent financial advice from his books. Ilyce Glink Check out the incredible wealth of information from this personal finance and real estate expert! CCCS: Tips for Katrina evacuees Palm Beach Post: Getting Financially Straight AP: Back-to-school costs CCCS: Gas prices, interest rates rising ... CCCS: Protect your identity A member of the CredAbility TM Network 100 Edgewood Avenue Suite 1800 Atlanta, GA 30303

91. AFM QLD - Business Recovery Managers Offers debt recovery and credit management services. Consulting, credit checks, account monitoring and documentation. http://www.afmqld.com.au

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92. Debt Consolidation Services Canada :: Credit & Debt Management Help :: Solutions Solutions credit Counselling offers consumer credit and debt counseling in Canadaincluding financial services, credit card management, budget counseling http://www.creditsolutions.ca/

Home About Us Consumer Services Corporate Services ... Receive a no-obligation credit planning analysis. TIP OF THE DAY Sign up for our budgeting tips newsletter! by Margaret Johnson , located in Surrey, BC, Canada! Solutions is a government-licensed-and-bonded service, created to provide consumers with credit and debt management in addition to the best credit education available today regarding debt consolidation and other credit-related topics. We are the only company of our kind in Canada. Want help with debt? Click to arrange to pay off your creditors More about Solutions Credit Counselling Margaret Johnson: featured columnist on Shaw: Finance MyTelus.com and Canada Home Guide Click here to Apply for your Secured Visa Card Click here to Apply for your Secured MasterCard Margaret H. Johnson ACE, RQIC, has over 32 years of financial industry experience in both lending and collecting. She is an Accredited Insolvency Counsellor, Registered by Industry Canada. Margaret is the leader in the field of Credit Counselling, a distinguished speaker and successful business owner who's previously been nominated twice for local Entrepreneur of the Year. She is a well-respected community member and a dedicated volunteer.

93. CPA - Debt Collection And Credit Status Reports A UK agency providing a unique Internet service for effective credit protection and bad debt management. http://www.cpa.co.uk

The Credit Protection Association and its unique integrated internet package. All you ever need in credit management :- We are fully accredited members of Credit Services Association (United Kingdom) and American Collectors Association, Inc. (USA Interactive overdue account recovery (Over 84% average success rate) Instant access to guaranteed business status reports and Companies House information Immediately locate and identify individuals and companies Commercial legal advice 24 hours a day provided by experts CPA House, 350 King Street, London W6 0RX : Telephone +44 (0)20 8846 0000 Fax: +44(0)20 8741 7459

94. Consumer Complaints About Debt Management Credit Counseling Corp Consumer complaints about debt management credit Counseling Corp. http://www.consumeraffairs.com/debt_counsel/debt_mgt_credit.html

Consumer News Recalls Complaint Form Scam Alerts ... Tax Prep Debt Management Credit Counseling Corp. Margaret of St. Paul MN (1/4/03): My husband and I fell behind on a couple of our credit cards about 30 days. We had 8 credit cards and I just couldn't keep up on them all so I signed up with DMCC to help lower the interest and have to pay only one payment. This was December 2001. By April 2002 all of my cards were delinquent and over limit and late fees mounting. Not only was I receiving additional charges, the interest rate wasn't dropped on a majority of the cards. I began calling DMCC to try to get it resolved. They dragged their feet for months and finally in October the interest rate was dropped. When I asked about all of the extra interest I'd paid and the late fees, etc... they were going to get back to me. Never heard from them. I then received notice that 3 of our cards were sold to a new company in October. Called DMCC so that they could get everything taken care of. The last two statements have indicated that the interest rates are all back up, late fees mounting, overlimit fees added. This month - no payment was received by two of the cards so I called to pay them myself. DMCC still has not returned my calls regarding the reimbursement and getting everything fixed. Today I filed a complaint with the BBB, but I don't know how far that will get me - I did not document the exact dates of all my phone calls with DMCC, which the BBB wants. I have also emailed their executive director to let her know just how dissatisfied I am and that I do not want them handling any of my accounts. I will contact all of my creditors myself.

95. Credit Counseling: Harbour Credit Counseling Services Provides nonprofit credit counseling and debt management services to families across the United States. http://www.40debts.org

Get Started Here: The Concept! Read some of our success stories Click Here The Concept The Plan FAQ ... Customer Service Site Credit Counseling Harbour Credit Counseling provides credit management services to families and individuals experiencing financial stress. We offer our clients an opportunity to make a sincere and honest effort to repay creditors at the lowest cost and in the shortest period of time. Our credit counseling provides clients with credit management tools to assist in paying off many types of debt. We have negotiated special terms with creditors to eliminate or reduce finance charges and fees so that most of the monthly payment is applied to your account balances rather than to fees or interest. Harbour Credit Counseling Services, Inc. is a nationwide credit management agency dedicated to helping people establish financial freedom. Home Credit Counseling Sign Up Harbour ... Customer Service Site Call us at (800) 403-3287 or email us here Credit Counseling by Harbour document.write('<');document.write('! ');

96. Non Profit Debt Consolidation | Credit Counseling of a successful money management plan and is designed to assist you in takingcharge of your credit. debt consolidation, debt management, get out of debt. http://www.dmcccorp.org/

Client Login Register Home Non profit debt consolidation ... Resources Non Profit Debt Consolidation! Our credit counseling services can help you gain control of your financial situation. We are a non profit debt consolidation and credit counseling organization committed to educating consumers on financial issues and providing personal assistance to consumers who have become overextended with debt. Our certified financial counselors provide personal assistance through free budget counseling and debt management plans to lower credit card interest rates and monthly payments. Call or apply online today and let us guide you to debt freedom! Learn how to review your credit report and prevent identity theft. It's your credit. Take care of it! Are you ready for your golden years? Watch our retirement video and find out. Get Live Help from our Online Operator Client Testimonials GENERAL INFORMATION Debt Calculator Calculate how long it will take you to repay your current debt.

97. Credit Card Debt Settlement | Credit Management Services | Debt Negotiation Provides debt settlement services to consumers. http://www.credit-management-services-usa.com/

Debt Settlement works. Eliminate Credit Card Debt and save! Name State Home Phone Work Phone Email Debt Amount Own a home? Yes No Debt Settlement Home Program Specifics Free Application Educational Resources ... Site Map Credit card debt is one of the biggest financial burdens facing American households today. Credit Management Services debt settlement program was established to help consumers who would like to eliminate credit card debt , as well as other unsecured debts. In many cases, we can help you settle your debts for pennies on the dollar without the use of a loan or bankruptcy! For more information about our debt settlement services, please call 1-800-535-4059 to speak with a representative, or click here to fill out our no obligation application and have one of our representatives contact you directly with a free consultation. Credit Management Service's debt settlement program may help our clients to settle their debts for a fraction of what they owe. According to the American Bankruptcy Institute, 302,829 people filed for bankruptcy in 2000, this statistic helps to show the growing problem debt is becoming in this country today. There are several methods available today for consumers who are struggling to get debt free. Bankruptcy can show up on you credit report for 7 to 10 years making it extremely difficult to obtain credit in the future. Debt consolidation programs can sometimes provide a minimal reduction in interest rates, but still require you to pay off 100% of what you owe. In contrast, debt settlement can save you as much as 75% of what you owe in less time than debt consolidation programs and with less of the negative affects of bankruptcy.

98. Christian Credit And Debt Management From Freedom Consumer Credit Counseling christian credit counseling and debt counseling and debt consolidation fromfreedom consumer credit counseling. http://www.freedomccc.org/

HOME SERVICES BIBLICAL PRINCIPLES 5 SOLUTIONS ... PRIVACY FCCC is a Christian debt counseling non-profit organization that provides a full range of educational materials and counseling in the area of credit and debt counseling and management. click on any item for more info ESTABLISHING A BUDGET DEBT CONSOLIDATION CREDIT REPORT ANALYSIS FORECLOSURE ASSISTANCE ... Click Here to Apply Online Today Email us with questions at customerservice@freedomccc.org Freedom Consumer Credit Counseling 4374 West 49th Street Cleveland, Ohio 44144 This Christian debt counseling organization was started by partners who have over 13 years of experience in credit and debt management and a love for financial biblical principles. We felt that too many debt counseling agencies were more interested in establishing revenue generating debt management plans than in truly helping individuals find the best solutions to their financial problems. Receive one FREE copy of your credit report. Learn more at www.annualcreditreport.com. DO NOT CALL Registry Stop telemarketing calls! For more information go to

99. Under Construction Provides software for credit management and debt collection throughout Europe. Site is available in several languages. http://www.predator.no/

Under Construction The site you were trying to reach does not currently have a default page. It may be in the process of being upgraded. Please try this site again later. If you still experience the problem, try contacting the Web site administrator.

100. Debt Consolidation | Debt Settlement | Credit Card Consolidation - DSA debt management by State, AK debt management, AL debt management debt SettlementAmerica experts in reducing your credit card debt 40 60% Offering http://www.debt-settlement-america.com/

var sc_project=328284; var sc_partition=1; var sc_invisible=1; var sc_project=328284; var sc_partition=1; var sc_invisible=1; Home Debt Consolidation Options FAQ's ... Free Consultation Call Us Today! or Click here to apply on line 24 hrs / 7days First Name: Last Name: Email Address: Phone Number: ex: 555-555-1212 Best Time to Contact you: Before 8am 10am - 12 noon 12 noon - 2pm 2pm - 4 pm Saturday 9am - 3pm Anytime Total Amount of Unsecured Debt Example: 7,500.00 State Directories Debt Management by State AK Debt Management AL Debt Management AR Debt Management AZ Debt Management CA Debt Management CO Debt Management CT Debt Management DE Debt Management FL Debt Management GA Debt Management HI Debt Management IA Debt Management ID Debt Management IL Debt Management IN Debt Management KS Debt Management KY Debt Management LA Debt Management MA Debt Management MD Debt Management ME Debt Management MI Debt Management MN Debt Management MO Debt Management MS Debt Management MT Debt Management NC Debt Management ND Debt Management NE Debt Management NH Debt Management NJ Debt Management NM Debt Management NV Debt Management NY Debt Management OH Debt Management OK Debt Management OR Debt Management PA Debt Management PR Debt Management RI Debt Management SC Debt Management SD Debt Management

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