Do you dread opening the mailbox every day in fear of finding another bill or another payment you can’t afford? Don’t worry, you’re not alone. Millions of Americans have more debt than they can afford or manage, but that can stop today. In fact it can stop right now with the benefits of credit counseling.
Unmanageable debt can be overwhelming and sometimes people don’t seek help because they don’t know where to start. That’s why we’re here to help. Credit counseling can help you make the changes you need to take control of your finances and get back to standing on your own two feet.
Get a Complete Picture
Most people don’t know exactly where they stand financially, which makes it hard to know how much help they need. Before you can start making changes and turn your financial life around you need to determine exactly where you are with your credit and debt.
This is going to sound scary, but it needs to be done. You may even feel better afterward, because even if the situation seems bleak you’ll at least have a big picture view of where you stand.
Gather all your bills, statements and balances from the past 30 days. Write down the total balance owed on all credit products, the total amount of savings you have in all bank accounts, your income, and all of your living expenses over the last month.
It’s also a good idea to order your credit report and get your credit score so you have a starting point. Don’t worry if it’s low– it will only go up from here. Once you have an up to date picture of your financial situation, it’s time to make the call.
Seek Professional Advice
After determining your current financial state you may not know where to begin making changes to your fiscal habits. You know what? That’s OK! In fact that’s why we’re here– to help you see the light at the end of the debt tunnel. Yes there is an end, and you won’t always be in debt. Seeking the advice of a professional is the second step in the credit counseling process.
Our certified credit counselors will analyze your current financial situation, help you create a budget and work with you to set up an action plan based on your needs and goals. In a nutshell we want to give you all the tools you need to achieve financial stability.
Begin Making Changes
You’ve taken the first two steps towards becoming debt free. Congratulations! The hard part is over. Now all you need to do is implement the suggested changes and reap the benefits of credit counseling. We’re not psychic but we predict you’ll see your debt balances decrease and your savings account, as well as your credit score, increase.
Keep in mind one of the main benefits of credit counseling is that it’s completely confidential. Oh and did we mention it’s free? Our trained counselors work with you to go over your payments, make a plan to lower fees and reduce payments to help you get out of debt.
Call us now at 1-888-919-CESI for your free credit consultation and join over 300,000 Americans who got the help they need. We’ll help you get out of debt and take control of your financial life.
Image Source: Flickr
[cf]skyword_tracking_tag[/cf]