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1 Personal Debt Consolidation Loan Calculator
https://www.consumerscu.org/personal/financial-resources/calculators/debt-consolidation-calculator
The Consumers Credit Union debt consolidation calculator can help you decide if a loan is the right decision for your finances, ...
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2 What do I need to know about consolidating my credit card debt?
https://www.consumerfinance.gov/ask-cfpb/what-do-i-need-to-know-if-im-thinking-about-consolidating-my-credit-card-debt-en-1861/
Debt consolidation means that your various debts–whether credit card bills or other loan payments–are rolled into one loan or monthly ...
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3 Debt Relief and Credit Repair Scams
https://www.ftc.gov/news-events/topics/consumer-finance/debt-relief-credit-repair-scams
A reputable credit counseling organization can give you advice on managing your money and debts, help you develop a budget, offer you free educational materials ...
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4 Consumer Debt Management Service Provider FAQ's
https://www.maine.gov/pfr/consumercredit/faqs/DMSP_consumer_FAQ.html
The Bureau of Consumer Credit Protection oversees the consumer finance industry, including non-bank mortgage lenders, debt collectors, loan brokers, ...
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5 Debt Relief & Credit Counseling | Washington State
https://www.atg.wa.gov/debt-relief-credit-counseling
Debt consolidation programs offered by legitimate organizations can be helpful to some consumers. These programs combine your existing debts into a single ...
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6 Consumer Credit Counseling - CT.gov
https://portal.ct.gov/DCP/Common-Elements/Consumer-Facts-and-Contacts/Consumer-Credit-Counseling
Consumer Credit Counseling services are offered by private companies that must be licensed by the Connecticut Department of Banking.
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7 American Consumer Credit Counseling Review - Forbes
https://www.forbes.com/advisor/debt-relief/american-consumer-credit-counseling-review/
These companies offer a variety of solutions, including credit and debt counseling, debt management plans (DMPs), or debt consolidation loans.
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8 Dealing with Debt | USAGov
https://www.usa.gov/debt
The Servicemembers Civil Relief Act (SCRA) assists active-duty military ... Submit a debt collection complaint to the Consumer Financial ...
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9 Getting Out of Debt - NCDOJ
https://ncdoj.gov/protecting-consumers/credit-and-debt/getting-out-of-debt/
In a debt management plan, you deposit money each month with the credit counseling organization. The organization then uses that money to pay your bills ...
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10 Debt Relief and Debt Relief Scams - Texas Attorney General
https://www.texasattorneygeneral.gov/consumer-protection/financial-and-insurance-scams/debt-collection-and-relief/debt-relief-and-debt-relief-scams
Across Texas, consumers who are eager to get rid of their debt are being targeted by debt relief scams. Don't let your desire to end your debt let you fall ...
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11 Consumer Credit Counseling Service (CCCS)
https://credit.org/cccs/
These plans consolidate a consumer's unsecured credit and debt payments into one convenient monthly payment. Some of the advantages of having a Debt Management ...
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12 Debt Assistance Scams - Minnesota Attorney General's Office
https://www.ag.state.mn.us/consumer/publications/debtassistancescams.asp
Consumers are facing record-high levels of debt, and many people are ... A debt management plan should be tailored to your particular financial situation.
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13 Debt Consolidation Services/Credit Counseling - CT 211
https://uwc.211ct.org/debt-consolidation-servicescredit-counseling/
They can take steps to deal with their debts on their own, seek information on budgeting and money management in their communities or contact a consumer ...
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14 Debt management - Oregon Division of Financial Regulation
https://dfr.oregon.gov/financial/manage/Pages/debt-management.aspx
Debt management companies and credit counselors can help you reduce or manage ... companies can charge depending on the activity they provide to consumers.
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15 American Consumer Credit Counseling - Mass.gov
https://www.mass.gov/service-details/american-consumer-credit-counseling
debt consolidation & debt management;; budget, bankruptcy, housing and student loan counseling;; financial education to consumers nationwide. ACCC is a leader ...
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16 Consumer Credit Counseling Foundation, Inc - Non-Profit ...
http://www.cccfusa.org/
Non-Profit Credit Counseling Assistance. ... STEP 2 - Credit Counseling ... Inc. will remold the non-profit debt relief foundation and services by our ...
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17 Consumer Credit of Des Moines
https://www.consumercredit-dm.com/
We specialize in Credit Card debt. ... Credit Scores INCREASED by 34 points within 18 months on clients that entered into a Debt Management Plan with us. This ...
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18 Education On Debt Management and Settlement Companies
https://www.marylandattorneygeneral.gov/CPD%20Documents/Tips-Publications/134.pdf
BALTIMORE, MD (August 22, 2022) – Maryland Attorney General Brian E. Frosh announced today that his Consumer Protection Division has issued a Final Order ...
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19 Debt Management - Colorado Attorney General
https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/debt-management/
Contact Us. Colorado Department of Law Consumer Protection Section, DM Ralph L. Carr Colorado Judicial Center 1300 Broadway, 6th Floor
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20 225 ILCS 429/ Debt Settlement Consumer Protection Act.
https://www.ilga.gov/legislation/ilcs/ilcs3.asp?ActID=3276&ChapterID=24
The funds shall remain the property of the consumer until the debt settlement provider disburses the funds to a creditor on behalf of the consumer as full or ...
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21 Consumer Debt Consolidation - hslc.bank
https://www.hslc.bank/mylife/borrowing/hslc-auto-and-personal-loans/consumer-debt-consolidation/
myLife. Consumer Debt Consolidation. HSLC is committed to meeting the credit needs of the community! We take pride in ...
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22 How to Protect Yourself: Credit Repair and Debt Relief Services
https://myfloridalegal.com/pages.nsf/Main/8C5B6B26667BE41485256EC2004D3252!Open
Their counselors are certified and trained in the areas of consumer credit, money and debt management, and budgeting. Counselors discuss your entire financial ...
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23 Pros and Cons of Debt Consolidation - Bankrate.com
https://www.bankrate.com/loans/personal-loans/pros-and-cons-of-debt-consolidation/
Consumers often take this step with a significant amount of high-interest debt. “It's often used to combine credit card debts, auto loans, ...
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24 FINANCE CODE CHAPTER 394. DEBTOR ASSISTANCE
https://statutes.capitol.texas.gov/Docs/FI/htm/FI.394.htm
The consumer credit commissioner shall provide advice and assistance to: ... SUBCHAPTER C. CONSUMER DEBT MANAGEMENT SERVICES. Sec. 394.201.
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25 Debt Relief Services/Fair Debt Collection
https://arkansasag.gov/consumer-protection/finances/debt-relief-services-fair-debt-collection/
Your financial institution, local consumer protection agency and friends and family also may be good sources of information and referrals. Reputable credit ...
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26 Free Credit Counseling: Get Out of Debt Faster
https://www.consolidatedcredit.org/credit-counseling/
Consumer credit counseling services exist to help consumers who are struggling to get out of credit card debt. When a person can't get out of debt on their ...
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27 Nonprofit credit counseling and debt relief companies
https://www.wellsfargo.com/financial-education/basic-finances/financial-challenges/lower-debt/nonprofit-credit-counseling-for-profit-debt-relief-companies/
According to the Consumer Financial Protection Bureau (CFPB), credit-counseling organizations are usually non-profit organizations whose counselors are ...
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28 Consumer Debt Counselors: Consumer Credit Counseling ...
https://www.consumerdebtcounselors.org/
Consumer Debt Counselors is a best-practices driven, fully accredited 501(c)3 nonprofit credit counseling agency providing free, confidential credit ...
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29 Debt consolidation - Wikipedia
https://en.wikipedia.org/wiki/Debt_consolidation
Debt consolidation is a form of debt refinancing that entails taking out one loan to pay off many others. This commonly refers to a personal finance process ...
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30 5 Ways to Consolidate Credit Card Debt - NerdWallet
https://www.nerdwallet.com/article/loans/personal-loans/consolidate-credit-card-debt-personal-loan
Refinance with a balance transfer credit card. · Consolidate with a personal loan. · Tap home equity. · Consider 401(k) savings. · Start a debt ...
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31 Debt Management, Credit Counseling | Consumer Credit ...
https://www.cccsofrochester.org/
At CCCS of Rochester, we know how hard it is to face financial problems. Learn more about debt management, credit counseling, first time home buying, ...
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32 Debt Relief - What You Need to Know
https://dojmt.gov/consumer/debt-relief/
Any company that offers consumer debt management plans to Montana residents must be licensed by the Office of Consumer Protection.
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33 Licensed Debt Management Companies - State of Michigan
https://www.michigan.gov/-/media/Project/Websites/difs/Publication/CF/FIS-PUB_0563_Supplement.pdf?rev=bb8b0eb96e654fca9b0bb3efc8cfc45c
Licensed Debt Management Companies ... American Consumer Credit Counseling, Inc. 800-769-3571 ... Consumers Alliance Processing Corporation.
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34 Best Debt Consolidation Loans in December 2022
https://www.lendingtree.com/debt-consolidation/
Top lenders for debt consolidation · Avant · Best Egg · FreedomPlus · Happy Money · LightStream · Marcus by Goldman Sachs · OneMain Financial · Prosper.
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35 Consumer Debt Relief | Debt Settlement Company | Help with ...
https://neweradebtsolutions.com/consumer-debt/
If you're struggling with any of these debts, it may be time to consider a consumer debt relief program. A consumer debt relief program helps individuals get ...
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36 Best Credit & Debt Consolidation Programs (2023: $1k-$100k)
https://www.incharge.org/debt-relief/debt-consolidation/free-debt-credit-consolidation/
Debt consolidation loans; Debt settlement. The first two are aimed at consumers who have enough income to handle their debt, but need help organizing a budget ...
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37 Consumer First | Licensed and Accredited Debt Relief and ...
https://cffnow.com/
Consumer First financial has been helping people find debt relief for 15 years. Payoff your unsecured debt for less. Consumer focused debt relief.
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38 DEBT CONSOLIDATION- FINAL - Contently
https://content.transunion.com/v/debt-consolidation-final
And that debt makes it a challenge for consumers to get ahead financially, as they pay hundreds a year in. interest, monthly payments eat up potential ...
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39 Consumers Alliance Processing | Realistic Debt Relief ...
https://credithelp.caprocessing.com/
Are you struggling with debt? We can help! Consumers Alliance Processing Corporation provides free credit counseling sessions for anyone looking for debt ...
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40 Credit Counseling, Debt Management and Settlement State ...
https://www.ncsl.org/research/financial-services-and-commerce/credit-counseling-debt-managem983and-settlem983.aspx
› financial-services-and-commerce
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41 Choosing a Debt / Credit Counselor
https://idfpr.illinois.gov/banks/consumer/tips/debtcounselor.ASP
Other consumers may have suffered a major setback, such as a job loss, and need a debt-management programs (DMP), which is a plan a financial counselor puts ...
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42 What Is Debt Consolidation & How to Consolidate Your Debt
https://www.debt.org/consolidation/
Debt consolidation is a sensible financial strategy for consumers tackling credit card debt. Consolidation merges multiple bills into a single debt that is paid ...
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43 Debt Management Services Act - Delaware Attorney General
https://attorneygeneral.delaware.gov/fraud/cpu/debtmanadvisory/
The Director of Consumer Protection administers the UDMSA law by designation of the Attorney General. Applicants for licensure as providers of debt management ...
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44 IAPDA Consumer Debt Relief Options Calculator
https://www.iapda.org/consumeroptionscalculator1.php
A Consumer credit counseling program is a method of debt relief for those who are unable to make minimum payments and undergoing financial difficulties. However ...
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45 What Does A Debt Consolidation Loan Do?
https://www.nationaldebtrelief.com/debt-consolidation/what-does-a-debt-consolidation-loan-do/
While there are advantages to debt consolidation loans, some drawbacks exist that every consumer should be aware of before taking this important step.
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46 Home Page Consumer Debt Relief - Dramer Law
https://dramerlaw.com/services/consumer-debt-relief/
Experiencing a financial hardship and haven't fallen too far behind on your payments? A Debt Management Plan, also known as Consumer Credit Counseling, can help ...
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47 Options for Dealing With Debt You Cannot Afford
https://www.unitedway.org/my-smart-money/immediate-needs/i-have-too-much-debt/options-for-dealing-with-debt-you-cannot-afford
But, debt consolidation loans need to be approached with caution. Often: You will pay more in total interest with a debt consolidation loan. You may not have ...
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48 Nonprofit Credit & Debt Solutions | MMI
https://www.moneymanagement.org/
We help consumers create, restore, and maintain a life of financial wellness. Our nonprofit programs are designed to educate, motivate, and liberate.
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49 Consumer Tips Credit Repair - Ohio Attorney General Dave Yost
https://www.ohioattorneygeneral.gov/Individuals-and-Families/Consumers/Consumer-Tips/Consumer-Tips-Credit-Repair
If you need to repair your credit or consolidate debt, you can arrange payment plans and improve your credit score yourself for little or no cost.
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50 Credit Counseling Services - Minnesota.gov
https://mn.gov/commerce/consumers/your-money/credit/credit-counseling.jsp
Consumer Credit Organizations Consumer Services Center Consumer Response Team Local: 651-539-1600. Greater MN: 1-800-657-3602. Debt Management Companies
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51 South Carolina Code of Laws Unannotated
https://www.scstatehouse.gov/code/t37c007.php
A consumer who cancels a debt management agreement is entitled to a full refund of all unexpended funds that the consumer has paid to the licensee. HISTORY: ...
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52 DCA - Consumers - Get Tips - Credit/Debt - NYC.gov
https://www.nyc.gov/site/dca/consumers/credit-debt.page
On February 15, 2018, DCA filed charges against bail bond agent Marvin Morgan, and several insurance and management companies for engaging in deceptive and ...
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53 COVID-19 (Coronavirus) Credit Card and Debt Relief - Experian
https://www.experian.com/blogs/ask-experian/covid-19-resource/
In addition to financial institutions, many service providers have also taken steps to help consumers impacted by COVID-19. Some of these providers are offering ...
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54 Cambridge Credit Counseling: Non Profit Debt Consolidation
https://www.cambridge-credit.org/
Get out of debt fast with our non-profit debt consolidation solutions. We help with credit card debt, foreclosure, student loans and reverse mortgages.
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55 Information for Consumers - Kentucky Attorney General
https://ag.ky.gov/Resources/Consumer-Resources/Consumers/Debt-Adjusters/Pages/consumers.aspx
Credit counseling is not the same as debt management. ... Counselors discuss the entire financial situation with consumers and help them develop a ...
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56 Debt Consolidation Definition - Investopedia
https://www.investopedia.com/terms/d/debtconsolidation.asp
Consumers can apply for debt consolidation loans, lower-interest credit cards, HELOCs, and special programs for student loans. Benefits of debt consolidation ...
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57 CCCSMD: Consumer Credit Counseling Service
https://cccsmd.org/
Debt Management Solutions. Our certified Financial Advocates work in partnership with you to review your unique financial situation and identify options and ...
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58 Tips to Reduce Your Debt - Consumer Protection
https://consumer.westchestergov.com/credit-and-debt-management/tips-to-reduce-your-debt
By obtaining a debt consolidation loan from a bank or credit union, you are able to manage your debts more easily since you make only one payment to the ...
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59 Florida Debt Relief + the Best Debt Consolidation Companies
https://mycreditsummit.com/debt-consolidation/florida/
The average consumer debt in Florida was $84,926 in 2021, up 4.2% from the previous year. This includes things like mortgage debt, student loans, credit cards, ...
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60 Debt Management Credit Counseling Corp.: Debt Help
https://www.dmcccorp.org/
Debt Management Credit Counseling Corp. (“DMCC”) is a nonprofit credit counseling organization that has been assisting consumers with the repayment of their ...
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61 NFCC - National Foundation for Credit Counseling - Home
https://www.nfcc.org/
NFCC is here with a trusted network of nonprofit financial counseling agencies to help you defeat your debt and look forward with confidence.
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62 Debt Adjustment Companies - Georgia Consumer Protection
https://consumer.georgia.gov/consumer-topics/debt-adjustment-companies
Under Georgia's Debt Adjustment Act (O.C.G.A.Section 18-5-1 et seq.), a debt adjuster may not charge you a fee of more than 7.5 percent of the amount you pay ...
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63 Credit and Debt - Florida Department of Financial Services
https://www.myfloridacfo.com/ymm/creditanddebt/default.aspx
According to recent Census data, the total amount of consumer debt in the United ... of credit and debt management will keep you on solid financial ground.
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64 Consumer Proposal vs Debt Consolidation
https://www.remolinoassociates.com/consumer-proposals/consumer-proposal-vs-debt-consolidation/
Because debt consolidation focuses on combining many smaller loans into a larger loan and reducing interest rates, the loans included are typically credit card ...
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65 Freedom Financial Network: Consumer Debt Help Leader
https://www.freedomfinancialnetwork.com/
Freedom Debt Relief has been walking beside me and helping me do what I definitely could not do alone. I am headed to becoming debt free and I am not stopping ...
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66 LSS Consumer Credit Counseling Service
https://lsssd.org/what-we-do/center-for-financial-resources/consumer-credit-counseling-service/index.html
Debt management; Community education. These consumer credit services are specifically designed to help clients take control of their financial future. To ...
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67 Debt Management - OriginSC
https://originsc.org/financial-education-coaching/debt-management/
Our Debt Management Program is an integrated counseling service that assists consumers who are overwhelmed with credit card debt.
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68 Debt Settlement & Relief Services - NCLC
https://www.nclc.org/topic/debt-settlement-and-relief-services/
NCLC works to educate federal and state officials about abuses in the debt relief industry and helps advocates develop better consumer protections. Featured.
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69 What are the Different Types of Consumer Debt? - Equifax
https://www.equifax.com/personal/education/debt-management/types-of-consumer-debts/
Each different type of consumer debt typically has different effects on your credit. Learn more and read about debt repayment strategies to help manage your ...
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70 Debt Managment - Office of Consumer Protection
https://www.montgomerycountymd.gov/OCP/a_z/debt_collection/debt-management-settlement.html
The Consumer Financial Protection Bureau has more information on credit counseling. Debt Management; Debt Settlement; FAQs. Past-Due image ...
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71 LIST OF CREDIT COUNSELING AGENCIES APPROVED ...
https://www.justice.gov/ust/list-credit-counseling-agencies-approved-pursuant-11-usc-111
For a list of approved credit counseling agencies by state and Judicial district ... Name 1$ Wiser Consumer Education, Inc. Contact Information 1400 Preston ...
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72 Debt Settlement Companies | New York State Attorney General
https://ag.ny.gov/feature/debt-settlement-companies
Debt settlement companies are for-profit companies that claim that they can eliminate consumers' debts by negotiating settlements with creditors that are a ...
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73 Credit Card Debt Settlement Companies Come Under Fire
https://www.paymentsjournal.com/credit-card-debt-settlement-companies-come-under-fire-it-is-about-time/
According to the Consumer Debt Relief Initiative, an industry-sponsored group settlement companies, private firms that negotiate compromised ...
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74 Debt Consolidation and Your Credit Score: How It Hurts and ...
https://www.cnet.com/personal-finance/loans/debt-consolidation-and-your-credit-score-how-it-hurts-and-how-it-helps/
But what will consolidating debt do to your credit score? ... Americans hold a lot of consumer debt -- about $4.6 trillion, of which $1.1 ...
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75 What is debt consolidation and is it a good idea? - CNN
https://www.cnn.com/cnn-underscored/money/consolidate-debt
Generally speaking, there are three financial products consumers use for debt consolidation: Debt consolidation loans, also called personal ...
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76 New bill targets California debt settlement companies
https://calmatters.org/california-divide/2021/07/california-debt-settlement/
The Consumer Debt Relief Initiative, composed of members of the debt settlement industry, maintained that new regulations would harm the very ...
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77 Using a debt settlement company - Canada.ca
https://www.canada.ca/en/financial-consumer-agency/services/debt/debt-settlement-company.html
debt consolidation; debt arbitration; debt negotiation; debt relief; debt pooling; debt reduction; debt elimination. Creditors aren't required ...
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78 Personal Loans | Motorcycle, RV Loans
https://www.myconsumers.org/borrow/loans/personal-loans
Consumers Credit Union offers personal loan options to help finance your next big ... you with cash to use any way you wish, including debt consolidation.
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79 Best Debt Consolidation Loan Companies | ConsumerAffairs
https://www.consumeraffairs.com/finance/debt-consolidation/
Freedom Debt Relief is a credit advocacy and debt resolution company that takes an individualized approach to each consumer's situation. Since ...
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80 Is Debt Consolidation Right For You? - Financial Warranty
https://financialwarranty.com/is-debt-consolidation-right-for-you/
Debt consolidation refers to the act of taking out a new loan to pay off other liabilities and consumer debts, generally unsecured ones.
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81 Debt Consolidation vs. Consumer Proposal - 4 Pillars
https://www.4pillars.ca/blog/debt-consolidation-vs-consumer-proposal-whats-the-difference
Debt consolidation involves the same principle—you are borrowing one big lump sum of money to pay back your smaller loans with higher interest rates. This helps ...
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82 Consumer Debt Relief in the United States and Canada
https://ohioline.osu.edu/factsheet/hyg-5247
In July, the New York Fed's “Quarterly Report on Household Debt and Credit” reported that delinquency rates on mortgages, auto loans, ...
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83 Financial Counseling Organizations
https://www.state.nj.us/dobi/division_consumers/finance/counselors.html
Consumer Credit Counseling Service of Central New Jersey 1931 Nottingham Way ... www.debtcounselingcorp.org, Debt Management Credit Counseling Corp.
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84 Now's the Time to Pay Off Debt - Consumer Reports
https://www.consumerreports.org/personal-finance/nows-the-time-to-pay-off-debt/
A recent report by BMO Wealth Management (PDF) found that the single most important priority for nearly one-third of Americans was to pay off debt. “The more ...
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85 Debt Relief in America & Consumer Debt - United Settlement
https://unitedsettlement.com/debt-settlement/debt-relief-in-america-debt-relief-by-state-household-debt/
Excessive consumer debt can lead to financial hardship, but there are numerous forms of debt relief in America. Contact us to learn more!
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86 What is a Debt Consolidation Loan | Texas | Neighborhood CU
https://www.myncu.com/explore/blog/what-is-a-debt-consolidation-loan
Over the past few years, consumer debt reached an all-time high. If you have found yourself in more debt than usual, a debt consolidation ...
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87 Consumer Credit Counseling Service (CCCS) | Wex | US Law
https://www.law.cornell.edu/wex/consumer_credit_counseling_service_(cccs)
Consumer Credit Counseling Services (CCCS) are mostly non-profit organizations that offer free or low-cost counseling, education, and debt repayment ...
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88 What are Debt Management Programs and How Do They Work?
https://www.americanexpress.com/en-us/credit-cards/credit-intel/debt-management-programs/
Debt management programs are one of many debt repayment methods available to consumers. · Credit counselors work with your creditors to develop a manageable ...
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89 GreenPath Financial Wellness | Debt Counseling Services
https://www.greenpath.com/
Our NFCC-certified counselors give you options to manage credit card debt, student loans and ... “I signed up with a debt management program with GreenPath.
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90 Debt Settlement Consumer Protection Act of 2010 | Congress ...
https://www.congress.gov/bill/111th-congress/house-bill/5387?s=1&r=45
Debt Settlement Consumer Protection Act of 2010 - Amends the Consumer Credit Protection Act to prohibit debt settlement providers from providing a debt ...
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91 Attorney General Kamala D. Harris Issues Consumer Alert on ...
https://oag.ca.gov/news/press-releases/attorney-general-kamala-d-harris-issues-consumer-alert-student-loan-debt
Often times purporting to offer “student debt management” or “student loan consolidation” plans, private companies are charging borrowers.
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92 CESI: Get Trusted, Non-Profit Debt Relief Options Now
https://www.cesisolutions.org/
Looking debt relief? CESI can help. Call today for a free financial counseling session to learn if a debt management plan is right for you.
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93 Consumer Credit Counseling Services of Northern Illinois: Home
https://www.illinoiscccs.org/
A counselor can guide you through debt management, student loan help, housing issues and more. Our financial literacy educational seminars are also ...
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94 Consumer Credit Counseling of the Ozarks - Southwest Missouri
https://cccsoftheozarks.org/
Consumer Credit Counseling is a local, not-for-profit organization that has been providing ... Free Financial & Credit Information · Debt Management Program ...
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95 Consumer Debt Mediation | Debt Management - GRT Financial
https://www.grtfinancial.com/debt-mediation/
Consolidate your debt with the help of Consumer Debt Mediation program offered by GRT Financial. Our Consumer Credit Counseling Service and Debt Management ...
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