How to File Bankruptcy

The purpose of this course is to guide clients who have filed for bankruptcy and provide more information on how bankruptcy affects the following aspects of their life.

Strategies For Managing Your Credit Report and Credit Score After or During Bankruptcy

If you've filed for bankruptcy, discover the effect it can have on your credit report, credit score and request for new credit. We will also explain how to manage your credit, and what to expect as a result of having filed for bankruptcy.

Our debtor education course will prepare you for a new beginning.

Pre-Discharge Bankruptcy Education
Required by law, before your bankruptcy case can be discharged- which means debts included in the bankruptcy are no longer considered collectible- you must complete Pre-Discharge bankruptcy education. This course lasts two hours. Topics covered include:

• Setting realistic financial goals
• Understanding your credit report
• Obtaining or re-establishing credit
• Managing budgets
• And more

read more at How to File Bankruptcy

Help for debt

No matter what your financial situation, we can help you move forward with confidence. Class is in session. Let's get financially smart!

Common Options for Dealing with a Financial Crisis

During this critical time, it is important to remember that bankruptcy is not your only option. From enrolling in a DMP and negotiating to using assets for consolidation, you will examine several alternatives.

It can start with a job loss, a medical crisis, a natural disaster or even life in general. No one is immune. But once your debt starts to mount, don't rely on just anybody to get you out of trouble.

CredAbility makes it simple to pay down your debt.

Through our Debt Management Plans (DMP), you can pay off your credit cards, lower your interest rates, eliminate fees and put an end to collection calls - forever. Sound like a plan? Good, because our Certified Credit Counselors can help you get out of debt in four simple steps.

read more at Help for debt

Free Prebankruptcy Credit Counseling

Each of us has a responsibility to manage spending. You will learn how to get the right reports from credit bureaus, interpret your credit report, understand the costs of using credit and work with your creditors.

Fair Credit Reporting

In this article, you will find out how to get free copies of your credit report, while ensuring its accuracy, privacy and your rights under federal law.

Get started with your counseling.

We strongly urge you to visit with an attorney to discuss the benefits, costs and consequences of filing for personal bankruptcy. And if you are not sure what you need, contact us—we will help you on the right path.

This counseling and the subsequent certificate can be received by telephone and online — in both English and Spanish. CredAbility’s counselors are available nationwide, 24/7.

To begin pre-filing bankruptcy counseling, call 800.251.2227 to schedule a telephone or in person appointment or click on the green "Start an online session" button above.

How to Prepare for your Counseling Session

We strongly recommend that you watch this video to understand what documents you will need to have available, and how to get the most value from your counseling session.

read more at Free Prebankruptcy Credit Counseling

Free Debt Management Companies

New Resources on CredAbilityU

Listen as our CredAbilityU experts discuss a variety of free resources that can assist you with your personal financial goals.

Play Your Way to Financial Freedom

Play Your Way To Financial Freedom teaches you how to use educational games to help your family change the way they think about money and credit cards. You will learn how to play the new Beat Debt board game and Paid Off card game (for in-person only; games sold separately).

And we're here to help you take your next steps with confidence and hope.

Let's turn this thing around

Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.

After your session, our support continues with free debt advice and online assistance in everything from how to pay down debt to strategies for successful credit management and how to read a credit report. As always, our reprentatives are here 24/7 to help you build a brighter financial future.

read more at Free Debt Management Companies

Filing for Personal Bankruptcy

Importance of Saving

Listen as our CredAbilityU experts discuss the importance of saving and tips to keep you on track

Know the Score: Understanding and Improving Your Credit Score

We will explore the importance of a credit score and how it can affect your financial life. You will learn the five critical factors that determine your number, how to deal with errors and tips that may help you increase your score.

Making a Five Year Plan

Listen as our CredAbilityU experts discuss financial tips on making a five year plan and more importantly how and why you should do it.

To enroll in this class you must provide your case number.

The Pre-Discharge bankruptcy education class is available online.

• Online classes are accessible on this site 24/7. To get started click on “Start an online session” above.

How to Prepare for your Counseling Session

We strongly recommend that you watch this video to understand what documents you will need to have available, and how to get the most value from your counseling session.

read more at Filing for Personal Bankruptcy

What is Debt Management

Through our Debt Management Plans, (DMP), you could minimize interest rates and payments to creditors, pay down your debt, eliminate fees and put an end to collection calls.

Getting started on your DMP is easy and can be completed in 4 easy steps.

Step 1 –	Provide the basic personal information necessary for DMP enrollment
Step 2 –	Review your creditors and the benefits of your DMP
Step 3 –	Review your current financial situation
Step 4 –	Finally, we will take a look at your monthly cash flow

The total process will only take a few minutes. If you have any questions, a Certified Credit Counselor is available to assist you as you go through the process.

You'll also have access to expert tips, tools, calculators and more.

No matter what your financial situation, we can help you move forward with confidence. Class is in session. Let's get financially smart!

Conquering Credit Challenges

Each of us has a responsibility to manage spending. You will learn how to get the right reports from credit bureaus, interpret your credit report, understand the costs of using credit and work with your creditors.

read more at What is Debt Management

Reputable Credit Counseling

Life is unpredictable. Make sure you're financially stable.

Getting smarter about money today will help you make better financial decisions tomorrow. So, welcome to CredAbility U. Our online courses come in a variety of convenient formats

Many creditors offer favorable repayment terms to consumers who enroll in a DMP, including interest rates ranging from 6% to 10% on their credit card debt. These creditors may also eliminate late fees and penalties once a consumer enrolls in a DMP with a nonprofit credit counseling organization.

At CredAbility, certified counselors help consumers determine whether they can tackle their financial challenges through budgeting and reduced spending, or if the structure of a debt management plan will be more effective.

What is a Debt Management Plan?
For a small monthly fee, consumers make a single payment to an agency like CredAbility, which acts as a trustee in distributing the funds to creditors. CredAbility works with both clients and creditors to design a debt repayment program that minimizes monthly payments, interest and related fees, providing a manageable tailored plan for the client. This enables the client to repay their entire debt obligation at more favorable terms, and on a plan that is within their ability to pay.

read more at Reputable Credit Counseling

Military Debt Management Agency

Play Your Way To Financial Freedom teaches you how to use educational games to help your family change the way they think about money and credit cards. You will learn how to play the new Beat Debt board game and Paid Off card game (for in-person only; games sold separately).

Required by law, before your bankruptcy case can be discharged- which means debts included in the bankruptcy are no longer considered collectible- you must complete Pre-Discharge bankruptcy education. This course lasts two hours. Topics covered include:

• Setting realistic financial goals
• Understanding your credit report
• Obtaining or re-establishing credit
• Managing budgets
• And more

Again, this course is required and only available to individuals who have already filed for personal bankruptcy. To enroll in this class you must provide your case number.

The Pre-Discharge bankruptcy education class is available online.

• 
  

read more at Military Debt Management Agency

How to File Bankruptcy

The purpose of this course is to guide clients who have filed for bankruptcy and provide more information on how bankruptcy affects the following aspects of their life.

Strategies For Managing Your Credit Report and Credit Score After or During Bankruptcy

If you've filed for bankruptcy, discover the effect it can have on your credit report, credit score and request for new credit. We will also explain how to manage your credit, and what to expect as a result of having filed for bankruptcy.

Our debtor education course will prepare you for a new beginning.

Pre-Discharge Bankruptcy Education
Required by law, before your bankruptcy case can be discharged- which means debts included in the bankruptcy are no longer considered collectible- you must complete Pre-Discharge bankruptcy education. This course lasts two hours. Topics covered include:

• Setting realistic financial goals
• Understanding your credit report
• Obtaining or re-establishing credit
• Managing budgets
• And more

read more at How to File Bankruptcy

Help for debt

No matter what your financial situation, we can help you move forward with confidence. Class is in session. Let's get financially smart!

Common Options for Dealing with a Financial Crisis

During this critical time, it is important to remember that bankruptcy is not your only option. From enrolling in a DMP and negotiating to using assets for consolidation, you will examine several alternatives.

It can start with a job loss, a medical crisis, a natural disaster or even life in general. No one is immune. But once your debt starts to mount, don't rely on just anybody to get you out of trouble.

CredAbility makes it simple to pay down your debt.

Through our Debt Management Plans (DMP), you can pay off your credit cards, lower your interest rates, eliminate fees and put an end to collection calls - forever. Sound like a plan? Good, because our Certified Credit Counselors can help you get out of debt in four simple steps.

read more at Help for debt

Free Prebankruptcy Credit Counseling

Each of us has a responsibility to manage spending. You will learn how to get the right reports from credit bureaus, interpret your credit report, understand the costs of using credit and work with your creditors.

Fair Credit Reporting

In this article, you will find out how to get free copies of your credit report, while ensuring its accuracy, privacy and your rights under federal law.

Get started with your counseling.

We strongly urge you to visit with an attorney to discuss the benefits, costs and consequences of filing for personal bankruptcy. And if you are not sure what you need, contact us—we will help you on the right path.

This counseling and the subsequent certificate can be received by telephone and online — in both English and Spanish. CredAbility’s counselors are available nationwide, 24/7.

To begin pre-filing bankruptcy counseling, call 800.251.2227 to schedule a telephone or in person appointment or click on the green "Start an online session" button above.

How to Prepare for your Counseling Session

We strongly recommend that you watch this video to understand what documents you will need to have available, and how to get the most value from your counseling session.

read more at Free Prebankruptcy Credit Counseling

Free Debt Management Companies

New Resources on CredAbilityU

Listen as our CredAbilityU experts discuss a variety of free resources that can assist you with your personal financial goals.

Play Your Way to Financial Freedom

Play Your Way To Financial Freedom teaches you how to use educational games to help your family change the way they think about money and credit cards. You will learn how to play the new Beat Debt board game and Paid Off card game (for in-person only; games sold separately).

And we're here to help you take your next steps with confidence and hope.

Let's turn this thing around

Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.

After your session, our support continues with free debt advice and online assistance in everything from how to pay down debt to strategies for successful credit management and how to read a credit report. As always, our reprentatives are here 24/7 to help you build a brighter financial future.

read more at Free Debt Management Companies

Filing for Personal Bankruptcy

Importance of Saving

Listen as our CredAbilityU experts discuss the importance of saving and tips to keep you on track

Know the Score: Understanding and Improving Your Credit Score

We will explore the importance of a credit score and how it can affect your financial life. You will learn the five critical factors that determine your number, how to deal with errors and tips that may help you increase your score.

Making a Five Year Plan

Listen as our CredAbilityU experts discuss financial tips on making a five year plan and more importantly how and why you should do it.

To enroll in this class you must provide your case number.

The Pre-Discharge bankruptcy education class is available online.

• Online classes are accessible on this site 24/7. To get started click on “Start an online session” above.

How to Prepare for your Counseling Session

We strongly recommend that you watch this video to understand what documents you will need to have available, and how to get the most value from your counseling session.

read more at Filing for Personal Bankruptcy

Debt Settlement Loan

Strategies For Managing Your Credit Report and Credit Score After or During Bankruptcy

If you've filed for bankruptcy, discover the effect it can have on your credit report, credit score and request for new credit. We will also explain how to manage your credit, and what to expect as a result of having filed for bankruptcy.

Understanding Your Credit Score

This article will give you a clear explanation of a credit score and how managing your finances will determine your costs to borrow money, plus valuable resources to help you learn more.

This counseling and the subsequent certificate can be received by telephone and online — in both English and Spanish. CredAbility’s counselors are available nationwide, 24/7.

To begin pre-filing bankruptcy counseling, call 800.251.2227 to schedule a telephone or in person appointment or click on the green "Start an online session" button above.

How to Prepare for your Counseling Session

We strongly recommend that you watch this video to understand what documents you will need to have available, and how to get the most value from your counseling session.

read more at Debt Settlement Loan

Debt Management Plans Pros and Cons

Getting smarter about money today will help you make better financial decisions tomorrow. So, welcome to CredAbility U. Our online courses come in a variety of convenient formats. 

You'll also have access to expert tips, tools, calculators and more.

No matter what your financial situation, we can help you move forward with confidence. Class is in session. Let's get financially smart!

Know the Score: Understanding and Improving Your Credit Score

We will explore the importance of a credit score and how it can affect your financial life. You will learn the five critical factors that determine your number, how to deal with errors and tips that may help you increase your score.

Making a Five Year Plan

Listen as our CredAbilityU experts discuss financial tips on making a five year plan and more importantly how and why you should do it.

read more at Debt Management Plans Pros and Cons

Debt Management Plan Pros and Cons

Common Options for Dealing with a Financial Crisis

During this critical time, it is important to remember that bankruptcy is not your only option. From enrolling in a DMP and negotiating to using assets for consolidation, you will examine several alternatives.

After your session, our support continues with free debt advice and online assistance in everything from how to pay down debt to strategies for successful credit management and how to read a credit report. As always, our reprentatives are here 24/7 to help you build a brighter financial future.

We understand that, because we've helped thousands of people just like you. And we're here to help you take your next steps with confidence and hope.

Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.

read more at Debt Management Plan Pros and Cons

Debt Management Online

Conquering Credit Challenges
Each of us has a responsibility to manage spending. You will learn how to get the right reports from credit bureaus, interpret your credit report, understand the costs of using credit and work with your creditors.

Fair Credit Reporting
In this article, you will find out how to get free copies of your credit report, while ensuring its accuracy, privacy and your rights under federal law.

Every situation is unique, but we can help you better understand the foreclosure process and the paths that may be open to you. We can also connect you with your lender to help maintain the communications link so important before and during the foreclosure process. Afterwards, you’ll receive an action plan to help you get back on track.

If you’re facing foreclosure, you’re not alone. Let CredAbility help you determine potential alternatives to the foreclosure process such a mortgage modification or other options.

Begin a foreclosure prevention counseling session today, or call us at 800.251.2227 to schedule an appointment.

read more at Debt Management Online

Debt Management Credit Counselor

Know the Score: Understanding and Improving Your Credit Score

We will explore the importance of a credit score and how it can affect your financial life. You will learn the five critical factors that determine your number, how to deal with errors and tips that may help you increase your score.

Making a Five Year Plan

Listen as our CredAbilityU experts discuss financial tips on making a five year plan and more importantly how and why you should do it.

Your counseling session is completely confidential. We do not report the information to your creditors or your credit report.

Free Budget Planning Session, No Obligation

During a counseling session, you and your counselor will go over your current budget, including any money owed such as debt from credit cards, medical bills, student loans, car loans and all others. Afterwards, you will receive a written summary including an action plan to move forward. You are under no obligation to take any of the debt advice or recommended credit management steps.

read more at Debt Management Credit Counselor

Debt Management Credit Counseling Corp

New Resources on CredAbilityU

Listen as our CredAbilityU experts discuss a variety of free resources that can assist you with your personal financial goals.

Our mission is to empower people with knowledge and solutions that provide hope and inspire lasting change. Many who come to us for advice are facing overwhelming credit card debt and other obligations such as student loans, car loans, payday loans and more. We take a holistic approach, taking into account all of your expenses, and making sure the budget planning advice you receive from us is personalized to your individual needs.

CredAbility has provided nonprofit credit counseling services to millions of consumers since 1964. Our counselors are certified by the National Foundation for Credit Counseling (NFCC,) which means they meet exacting ethical, educational and counseling standards. CredAbility is also a Department of Housing and Urban development-approved counseling provider. 

During a budget planning session, you and your counselor will go over your current income and expenses including credit card debt, medical debt, student loans, car loans and any other that may be owed. Afterwards, you will receive a written summary including a recommended action plan. You are under no obligation to take any of the recommended steps. Your budget planning session is completely confidential. We do not report the information to your creditors or your credit report.

read more at Debt Management Credit Counseling Corp

Credit Counseling Organization

Strategies For Managing Your Credit Report and Credit Score After or During Bankruptcy

If you've filed for bankruptcy, discover the effect it can have on your credit report, credit score and request for new credit. We will also explain how to manage your credit, and what to expect as a result of having filed for bankruptcy.

A Debt Management Plan (DMP) helps consumers who are struggling with credit card debt develop reduced payment programs with creditors. Many creditors offer favorable repayment terms to consumers who enroll in a DMP, including interest rates ranging from 6% to 10% on their credit card debt. These creditors may also eliminate late fees and penalties once a consumer enrolls in a DMP with a nonprofit credit counseling organization.

CredAbility says that the consumers on its Debt Management Plans in 2010 had higher incomes, more credit card debt and were older than in previous years.

In 2010, the average income of a person on a DMP with CredAbility was $53,880, a four percent increase compared to 2009. Each person on a DMP in 2010 had an average of $24,266 in credit card debt, a 4.5 percent increase compared to 2009. The average age of a person on DMP in 2010 was 48, up from 45 years old in 2009.

“While people enrolling in our DMPs earn good incomes, they have an increasing amount of credit card debt,” Williams said. “We can help them negotiate lower interest rates with their creditors that may result in lower monthly payments.”

read more at Credit Counseling Organization

Credit Cards Debt Settlement

Getting smarter about money today will help you make better financial decisions tomorrow. So, welcome to CredAbility U. Our online courses come in a variety of convenient formats. 

While CredAbility already provides counseling to consumers in all 50 states, this acquisition enables CredAbility to expand its face-to-face counseling offices to a fifth state in the southeast. CredAbility already has 28 offices in Georgia, Florida, Tennessee and Mississippi.

“This is exciting news for both organizations.” said Suzanne Boas, president of CredAbility. “We provide many of the same services and share the same values. Combining the Compass/CCCS program with CredAbility will enable us to serve additional clients in the southeast.”

“We are pleased that our CCCS program will join a national nonprofit credit counseling agency that can provide our clients with additional services,” said Thomas Bannister, president of Compass of Carolina. “The addition ofCredAbility’s housing counseling services, its 24/7 convenience and its bilingual staff will benefit many residents of upstate South Carolina.”

read more at Credit Cards Debt Settlement

Credit Card Debt

You'll also have access to expert tips, tools, calculators and more.

No matter what your financial situation, we can help you move forward with confidence. Class is in session. Let's get financially smart!

If you have any questions, a Certified Credit Counselor is available to assist you as you go through the process.

Just a reminder, completing the counseling session is free, is not a binding contract, and all information remains confidential.

Remember, we are here to help. Our counselors are available nationwide, 24/7-by telephone and online-in both English and Spanish. We’ve helped thousands of people, just like you, get through periods of financial crisis.

If you would prefer to complete your DMP session by phone, please call 800.251.2227 to schedule an appointment with a Budget & Credit counselor today.

For those clients living in the following states or territories: Indiana, Minnesota, North Dakota, Puerto Rico, or the Virgin Islands, we are able to provide Budget and Credit counseling – as well as our other counseling services, but are not able to offer a Debt Management Plan. We can, however, provide you with information on who in your state could provide a DMP.

read more at Credit Card Debt

Consumer Credit Counseling

During this critical time, it is important to remember that bankruptcy is not your only option. From enrolling in a DMP and negotiating to using assets for consolidation, you will examine several alternatives.

Conquering Credit Challenges

Each of us has a responsibility to manage spending. You will learn how to get the right reports from credit bureaus, interpret your credit report, understand the costs of using credit and work with your creditors.

I can help you learn what you need.

Required by law, before your bankruptcy case can be discharged- which means debts included in the bankruptcy are no longer considered collectible- you must complete Pre-Discharge bankruptcy education. This course lasts two hours. Topics covered include:

• Setting realistic financial goals
• Understanding your credit report
• Obtaining or re-establishing credit
• Managing budgets
• And more

Again, this course is required and only available to individuals who have already filed for personal bankruptcy. To enroll in this class you must provide your case number.

read more at Consumer Credit Counseling

Consumer Credit and Debt Counselling

In this article, you will find out how to get free copies of your credit report, while ensuring its accuracy, privacy and your rights under federal law.

Fair Debt Collection

If you are behind on paying credit cards, personal loans or a home mortgage, this article will explain the laws governing debt collection, so you will know how to be treated fairly, honestly and legally.

For those clients living in the following states or territories: Indiana, Minnesota, North Dakota, Puerto Rico, or the Virgin Islands, we are able to provide Budget and Credit counseling – as well as our other counseling services, but are not able to offer a Debt Management Plan. We can, however, provide you with information on who in your state could provide a DMP. If you would like referral information for your state, please click here.

How Does A Debt Management Plan Work?

The following video was produced under our former name of Consumer Credit Counseling Service.

read more at Consumer Credit and Debt Counselling