What is Credit Counselling?

Ever wondered what is Credit Counselling? There are occasions when you might encounter a financial situation that is beyond your scope which is when a session with a credit counsellor could be beneficial.

If you're not disciplined enough to create a workable budget and stick to it, can't work out a repayment plan with your creditors, or can't keep track of mounting bills, consider contacting a credit counselling organisation. Many credit counselling organisations are non-profit and work with you to solve your financial problems. But be aware that, just because an organisation says it's "non-profit," there's no guarantee that its services are free, affordable, or even legitimate. In fact, some credit counselling organisations charge high fees, which may be hidden, or urge consumers to make "voluntary" contributions that can cause more debt.

Most credit counsellors offer services through local offices, the Internet, or on the telephone. If possible, find an organisation that offers person to-person counselling.

If you are not sure of how to contact a counselling service, check with your financial institution, local consumer protection agency, friends or family as they may be a good source of information and referral.

Reputable credit counselling organisations can advise you on managing your money and debts, help you develop a budget, and offer free educational materials and workshops. Their counsellors are certified and trained in the areas of consumer credit, money and debt management, and budgeting.

Counsellors discuss your entire financial situation with you, and help you develop a financial plan to solve your money problems. An initial counselling session typically lasts an hour, with an offer of follow-up sessions.

Be wary of credit counselling organisations that:

charge high up-front or monthly fees for enrolling in credit counselling.

pressure you to make "voluntary contributions," another name for fees.

won't send you free information about the services they provide without requiring you to provide personal financial information, such as credit card account numbers and balances.

You may freely reprint this article provided the author's biography remains intact:

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

In The News:
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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601087%26sid%3Daj.UnugoOIbk%26refer%3Dhomecid=1272355317ei=AUMlSe6GLabU6gP-nf3jCwusg=AFQjCNESKYpZ1Geq_RoOTRtzY3krqIJ0ZQBond Risk Rises to Record in Europe, bCredit/b-Default Swaps Show/abrfont size=-1font color=#6f6f6fBloombergnbsp;-/font nobr1 hour ago/nobr/fontbrfont size=-120 (Bloomberg) -- The cost of protecting European corporate bonds from default rose to a record, according to traders of bcredit/b-default swaps. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601081%26sid%3DaWqDz0nJR5pw%26refer%3Daustraliacid=1272355317ei=AUMlSe6GLabU6gP-nf3jCwusg=AFQjCNFxPT15QqfjurGNB7leKWx3048NkwAustralia Corporate Bond Risk Rises, bCredit/b-Default Swaps Show/a font size=-1 color=#6f6f6fnobrBloomberg/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601087%26sid%3Da3JoVDNjGP9g%26refer%3Dhomecid=1272355317ei=AUMlSe6GLabU6gP-nf3jCwusg=AFQjCNEJqLhJHuaHnfO8BFx8RtAX3o2oaQJapanese Bond Risk Soars to Record on Concern Banks Weakening/a font size=-1 color=#6f6f6fnobrBloomberg/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601080%26sid%3Daq3Zp.uDMcaM%26refer%3Dasiacid=1272355317ei=AUMlSe6GLabU6gP-nf3jCwusg=AFQjCNFFolaeSl3eBg78AJpb8GVIm8xlhAJapan Corporate Bond Risk Rises to Record After Exports Plunge/a font size=-1 color=#6f6f6fnobrBloomberg/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601081%26sid%3DaLYGowgcqOfQ%26refer%3Daustraliacid=1272355317ei=AUMlSe6GLabU6gP-nf3jCwusg=AFQjCNHSaQeS9Bkhn_WqRszrbAhRYCnXkgnobrBloomberg/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1272355317hl=ennobrall 8 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.dallasnews.com/sharedcontent/dws/news/localnews/stories/DN-kettle_20met.ART0.Central.Edition1.4a738fe.htmlcid=1271584096ei=AUMlSe6GLabU6gP-nf3jCwusg=AFQjCNHD28WrtYhqOYERrQLEGl3HkHUjww12 D-FW red kettles will take bcredit/b for Salvation Army/abrfont size=-1font color=#6f6f6fDallas Morning News,nbsp;TXnbsp;-/font nobr2 hours ago/nobr/fontbrfont size=-1By KIM HORNER / The Dallas Morning News For the first year, all that empty-pocketed shoppers have to do is swipe their bcredit/b cards on scanning technology b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601087%26sid%3Da20c1PvOLYn8%26refer%3Dhomecid=1272314064ei=AUMlSe6GLabU6gP-nf3jCwusg=AFQjCNHuEk6Okw2nho6LpJsVYgjLvSqdDwbCredit/b Markets Fall to Records as Confidence in Economy Wanes/abrfont size=-1font color=#6f6f6fBloombergnbsp;-/font nobr11 hours ago/nobr/fontbrfont size=-119 (Bloomberg) -- bCredit/b markets from commercial mortgages to junk bonds fell to record lows as concerns grew that the slowing economy would overwhelm b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.freep.com/article/20081120/BUSINESS01/811200358cid=1272000981ei=AUMlSe6GLabU6gP-nf3jCwusg=AFQjCNFAhNyo4dP_Fsbz-ARN3Qy0vLLjtQChrysler bcredit/b rating could be cut/abrfont size=-1font color=#6f6f6fDetroit Free Press,nbsp;United Statesnbsp;-/font nobr2 hours ago/nobr/fontbrfont size=-1BY TIM HIGGINS • FREE PRESS BUSINESS WRITER • November 20, 2008 Fitch Ratings cautioned Wednesday that it might lower Chrysler#39;s bcredit/b rating to a level b.../b/font/div/font/td/tr/table
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Credit Cards for Home Business

It is wise for you to have a company credit... Read More

Why Credit Cards are a Bad Idea

Credit cards are just so convenient, aren't they? There's no... Read More

It Is In Your Best Interest To Do The Math On Your Credit Card Interest

If you begin foaming at the mouth once a month... Read More

How A Prepaid Debit Card Can Help You Rebuild Your Credit

Consumers today are up to their eyeballs in debt. And... Read More