Consumer Credit Counselling

ClearPoint Credit Counseling Solutions Completed Merger With Consumer Credit ...

“We’ve brought together two organizations who share the mission of promoting consumer health through financial education,” said ClearPoint’s CEO and President, Chris Honenberger. “The merger allows us to pool our resources, strengthen our infrastructure and better serve consumers.”

CCCS of Central New York will eventually assume the name ClearPoint Credit Counseling Solutions, but will continue to trade under their existing trade names as members of the ClearPoint family of offices. As a result of the merger, ClearPoint has expanded its branch presence to 12 states. ClearPoint remains one of the largest nonprofit education-based credit counseling agencies, offering budget, credit, housing, reverse mortgage and bankruptcy counseling face-to-face, over the phone and via the Internet nationwide.

Consumer Credit Counseling Service of Central New York’s former CEO, MaryAnn Stark, now serves as president of ClearPoint’s Northeast Region.

ClearPoint’s New York branch offices are located in Syracuse, Albany, Binghamton, Utica and Watertown. The expanded organization also serves Auburn, Elmira, Fort Drum, Ithaca and Oneida with mobile sites through community partners. The organization remains headquartered in Richmond, Virginia, with additional offices in Arkansas, California, Illinois, Kentucky, Maryland, Missouri, New York, North Carolina, Oregon, Tennessee, Virginia and Washington.

ClearPoint is a member of the National Foundation for Credit Counseling (NFCC) and a system-wide accredited business with the Council of Better Business Bureaus and a U.S. Department of Housing and Urban Development (HUD)-approved housing counseling agency.

Free appointments for credit, debt, budgeting and most housing-related issues may be made by calling 877.877.1995. For more about ClearPoint, visit www.ClearPointCCS.org .

What's the least complicated way to escape consumer debt ...

What’s the least complicated way to escape consumer debt?

Is personal debt a major problem in your life? Did you along with the millions of other Americans get hit in a very poor way by this economic chaos? This is taking place as one of the hardest economic crisis’s at any time, and it all began having a artificially blossoming housing market. A terrible spin off from all of this chaos is a major personal debt dilemma dispersing throughout the country. The good news for people who have found themselves to be cornered in debt is that we now have valuable credit card debt relief plans available today. Experts recommend to first of all know all you can about the many credit card debt relief programs prior to making any decisions.

Frequently the initial solution men and women think of when escape the credit card treadmill is credit counseling. Consumer credit counseling programs have been around for several years and have shown to help people become debt free easily and decrease the amount spent on the interest percentage. What would help individuals to truly save lots of money via using a cccs program is the low interest rates; this will significantly reduce the length of time it normally takes one to emerge from consumer debt settlement . Meanwhile other people consider the one payment per month is the greatest benefit from the course. There is one forgotten truth about credit counseling and that is lacking a single repayment could result in you getting expelled from the plan. And the major discrepency for many people is that the repayments have a tendency to not be much lower than they were before, so maintaining the program for most is amazingly hard.

Unsecured credit card debt negotiation is yet another of the many debt relief options presently that can be found. This process requires having to go delinquent on your month-to-month minimum payments. Throughout a debt negotiation course you end payment to your creditors and you get started financing a separate account in preparation to eventually negotiate a 1 time repayment at a reduced amount of the balance you once owed. The benefits of this are to emerge from credit card debt quickly and preserve lots of money too. Really the only sacrifice is damage to your credit rating and the possibility of court action.

In August 2005 new consumer bankruptcy legislation was put into law. The leading regulation modification is that it’s now a lot harder fora consumer to file for a chapter 7, a chapter 7 will allow someone to not have to repay anything from the unsecured debt due; alternatively they need to initially examine if chapter Thirteen is workable, meaning the credit card holder will get put ona repayment schedule. Most of us wouldn’t normally wish a credit card debt relief on their worst type of foes . The humiliation at court is intolerable for several. Not only is this process upsetting and depressing but it’s going to be on ones credit score for 10 years. The sole time a person should really take into account bankruptcy hearing is when they have arrived at the final outcome by way of widespread research that no other debt relief options will fix their predicament.

Consumer credit

Comparative consumer insolvency regimes, a Canadian perspective

Consumer bankruptcy in global perspective

Economic Developments in India

Credit miracle for Canadians, how to build, repair, and improve your credit, get out of debt, make banks beg to lend you money, and protect yourself from identity theft!