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CREDIT COUNSELING bankruptcy information
If you aren't 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 counseling service. bankruptcy information
Your creditors may be willing to accept reduced payments if you enter a debt
repayment plan with a reputable organization. bankruptcy information In
these plans, you deposit money each month with the credit counseling service. bankruptcy information
Your deposits are used to pay your creditors according to a payment schedule
developed by the counselor. As part of the repayment plan, you may have to agree
not to apply for-or use-any additional credit while you're participating in the
program. bankruptcy information
bankruptcy information A successful repayment plan requires you to make
regular, timely payments, and could take 48 months or longer to complete. Ask
the credit counseling service for an estimate of the time it will take to
complete the plan. Some credit counseling services charge little or nothing for
managing the plan; others charge a monthly fee that could add up to a
significant charge over time. Some credit counseling services are funded, in
part, by contributions from creditors. bankruptcy information