Credit Counseling for Debts Hopewell Junction NY

There are many companies and even banks that offer credit counseling. It is nothing but a form of debt consolidation that is available to anyone. Credit counseling is a much better alternative than filing for a bankruptcy. In consumer credit counseling, plans and budgets are prepared that are to be followed to slowly clear off all the debts.

Local Companies

Empire State Bank, NA
(845) 256-0003
275 Main Street
New Paltz, NY
Walden Savings Bank
(845) 256-9667
2356 State Route 44/55
Gardiner, NY
Integrated Feeling Therapy, Inc.
(845) 255-4143
27 North Chestnut Street
New Paltz, NY
Hudson Heritage Federal Credit Union
(845) 561-5607
243 Main Street, Suite 160
New Paltz, NY
NuMony Technologies Inc.
(845) 431-9003
2600 South Rd. Suite 44-25
Poughkeepsie, NY
Citizens Bank
(845) 256-3802
271 Main Street
New Paltz, NY
M & T Bank
(845) 255-7100
191 Main Street
New Paltz, NY
Elaine Ramos, LCSW
(845) 255-8014
42 North Chestnut Street
New Paltz, NY
Roots & Wings
(845) 255-2278
12 Ramah Lane
New Paltz, NY
MHV Federal Credit Union
(845)-336-4444, ext. 2903
5 Wingate Way
Highland, NY

Provided By:

Author: Alien

There are many companies and even banks that offer credit counseling. It is nothing but a form of debt consolidation that is available to anyone. Credit counseling is a much better alternative than filing for a bankruptcy. In consumer credit counseling, plans and budgets are prepared that are to be followed to slowly clear off all the debts. So if you are one of those who find it hard to pay bills and run the house on the same income, try credit counseling. At least it can be tried once before filing for bankruptcy.

Many people who are troubled by extreme debt situation often make a mistake by filing bankruptcy. This may seem to be the best and the easiest way out but it has its consequences. All the options should be given a thought prior to banking on being bankrupt. It can greatly hamper your credit score for a very long time. Bankruptcy sure it an easy way to get rid of all your pending bills but make sure that it is the only way left to go before you take it.

Debt consolidation is an immensely popular way to deal with financial miseries. The most common way in which debt consolidation works is by converting the due debts into payments. It is sometimes a better notion to try and reduce the existing interest rate. This way you can be free by paying less than what you actually have to pay.

There are also some banks and institutions that offer consolidation loans. These loans combine all your debts as one single loaned amount. In ordinary terms, debt consolidation loan is nothing but paying a single debt instead of many. One another advantage of it is that you won’t have to receive any phone call from creditors or crediting companies. Hence it is easy to be relieved with the help of it. The bank from which you take the loan will pay all your pending bills but you now will have to pay a larger lump sum amount directly to the bank this time. It is better than paying many bills to numerous creditors.

For the best results, it is vital that you get the best counselors. A research is very necessary in this case. There are many people who specialize in this field but not all of them can help you. It is possible to take back the command on your finances with just a little but serious work.


About the Author:

Consumer Credit Counseling Service, offers on-line credit counseling, credit, debt, consumer credit counseling service and money management.

Article Source: http://www.articlesbase.com/debt-consolidation-articles/credit-counseling-for-debts-804464.html

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