Credit and Debt Counseling

When your wages are attached or garnished, a sum of money is deducted from your paycheck and sent to the creditor. Wage attachments are a common method used to...

A judgment is a decision issued by the court at the end of a lawsuit. If you are sued and either don’t file papers or file papers but eventually lose the case...

Yes. If not paid, the creditor may initiate legal action for the difference between the sale price of the car and what you owed....

When an account is considered uncollectable, a creditor will write it off as a bad debt or “charge off.” Depending on each creditor’s policy, a “charge...

It’s a federal law that protects consumers from harassment or threats made by creditors and prohibits creditors from making false statements. This law also...

To locate an NFCC member agency in your area click here....

To find information about the application process click here....

To become a Certified Consumer Credit Counselor requires an understanding of the theories, principles, issues, counseling techniques, and forms that are applica...

Each member agency employs independently Certified Consumer Credit Counselors who evaluate your overall financial situation. Because we help you come up with r...

When you tell a creditor you have an appointment with us, or the creditor has referred you to one of our local agencies, we may get a call to verify your appoin...