Consumer Credit Counseling
Gardner, now an attorney in Dallas, Texas, said the only organization he knows that ethically helps consumers is First Stone Credit Counseling (FSCC), 189 and its affiliate company, the People's Credit Bureau (PCB).190 Based in Dallas, the two companies are run by Bruce J. Danielson, a former pilot and military veteran. Danielson said First Stone is the only Consumer Advocate Credit Counseling organization in the country because it helps the consumers organize their matters and clean up their credit reports.
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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 consumer credit counseling service. Your creditors may be willing to accept reduced payments if you enter into a debt repayment plan with a reputable organization. In these plans, you deposit money each month with the credit counseling service. 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.(By the way, Consumer Reports magazine had a great article on Credit Counseling in their July 2001 issue. In the article they discuss private credit counseling companies as well as the traditional Consumer Credit Counseling Service organizations.)
More about Consumer Credit Counseling
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Credit card debt and consumer credit counseling can help lower credit card debt, student loans, and unsecured debt. Get free consolidation and counseling quotes Credit Advice and Resources Credit information and tips to help you find the best deals on credit cards, credit reports, manage your debt, and control your finances. .income tax attorney
Danielson, who hosts a weekly radio show called "The Consumer Fight Back Show, " said that many of the people in the credit counseling industry are "collection agencies in disguise." He said the most famous organizations, profit National Foundation For Consumer Credit (NFCC) and Consumer Credit Counseling Services (CCCS), are actually a set of " profit franchises" that earn billions of dollars each year, primarily serving creditors' interests.
