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Debt Consolidation |
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Your Christian debt consolidation and credit counseling agency! |
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 | Lowering monthly payments |
| Lowering interest rates |
| Stopping late fees |
| Stopping over the limit fees |
| Stopping or reducing collectors calls |
Credit Counseling is...
...the actual 'educational' portion of a debt consolidation plan and is the part of the debt management plan that we offer with Christian Credit Counseling Centers. Where the above benefits are voluntarily offered and determined by your creditors when you join Christian Credit Counseling Centers debt consolidation plan, the credit counseling and education benefits are offered by us. see what they include...learn more
Bottom Line on How Debt Consolidation works:
| You submit your debts to Christian Credit Counseling Centers |
| Christian Credit Counseling Centers contacts you with a quote (good faith estimate) showing your new, lower monthly payment, when you will be out of debt, the number of years you will save and the amount of money you will save with Christian Credit Counseling Centers. |
| You complete and return the agreement along with your first payment to Christian Credit Counseling Centers. |
| Christian Credit Counseling Centers submits "proposals" to your creditors for their approval. |
| You receive a welcome package and first set of educational materials and CD. Welcome package has your new customer care email and 800 phone number to reach Christian Credit Counseling Centers customer care staff when you have questions or need help. |
| You make your payment to Christian Credit Counseling Centers each month. Payments are made to your creditors 10 days later. |
| You continue to receive benefits mentioned above from your creditors and from Christian Credit Counseling Centers. |
| Through any step of this process we are just a call, email, live chat or US Postal mail away to answer your questions. |
| That's it! It is just that simple for you! |
Ready to get started in debt consolidation? Want to see what we can do for you? Download the Step 1 form now, complete and fax/email to us right away. A certified credit counselor will respond shortly.
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| Download the above Step 1 form and fax/email to us, or, complete the below form and a counselor will call you shortly. | ||
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FREE Credit Reports
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| Debt Facts |
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In the
1970’s the credit card industry faced a crises. The credit card
companies were faced with paying up to 20% for the money they borrowed
but were prohibited by law from charging more than 12% for the money
they lent out. Obviously this was a recipe for disaster. But they found,
or more precisely, created a solution.
Banking regulations limited the amount of interest they could charge to the rate set by the state in which they were doing business. So banks with credit card divisions in New York were regulated by the New York law. But with an eye towards new opportunities many banks began courting South Dakota. With promises of new jobs, new tax revenues, and who knows what kinds of political contributions, it took just weeks for the laws of South Dakota to be changed to allow unlimited interest rates to be charged. Delaware, noticing the opportunity, soon changed its laws too. Now with no limits on interest rates, credit card companies were poised for unprecedented profits. And the money began pouring in, into South Dakota and Delaware. Check your credit card statements to see where your money goes. (Utah has no limit, it has American Express - New Hampshire has no limit, it has Providian - Virginia has no limit, it has Capital One - Arizona has a 36% limit, it has Bank of America and Direct Merchants) |
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Click Here for more knowledge. |
