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Free Debt Settlemet Consultation |
Beware
of unscrupulous debt
solution or consolidation companies |
There
are many debt help or consolidation companies that state they are
ready and
willing to help you solve your debt problem. The bigger problem is that
many of
these organizations are fly by night operations that will take
advantage of
your lack of knowledge or ratchet up your stress level regarding your
financial
situation. It is even possible that if things have gone far enough, you
are
being bombarded by phone calls and letters from collection agencies.
This
is why you really need to do your homework before succumbing to
solicitations
by one of these potentially unsavory
organizations. The Internet is littered with advertisements for them
and it can
be extremely challenging to distinguish the good guys from the bad guys
unless
you are willing to do your homework.
Reputable resources to help
you begin to lower your debt today
 The organizations listed below are
basically information
clearinghouses that can steer you in the right direction.
The Federal Trade Commission (FTC)
has a Website to help you
understand and deal with a number of important money issues, such as
credit
cards, debt management, scams, and ways to effectively manage your
money. Click
to http://www.ftc.gov/bcp/edu/microsites/moneymatters/index.html
The recently beefed up Bureau of Consumer Protection works to prevent fraud,
deception,
and unfair business practices in the marketplace. The mission of the
Bureau is
to:
- enhances consumer
confidence by enforcing federal laws that protect consumers
- empowers consumers with
free information to help them exercise their rights and spot and avoid
fraud and deception
- obtain information from
consumers who want to get educate themselves about marketplace matters,
or file a complaint about fraudulent business practices or register
concerns regarding identity theft
http://www.ftc.gov/bcp/index.shtml
CreditCardGuide.com offers tools and information to make choosing and
applying
for a credit card online simple and easy. This is an excellent resource
to
conduct an analysis of the pros and cons of all available credit cards.
The
site is regularly updated.
http://www.creditcardguide.com/
CreditCards.com
periodically monitors the credit card market review and
critiques credit
card offers available online. These offers are shown side by side for
easy
comparison of interest rates, annual fees, and other common variables.
Click to
http://www.creditcards.com/
The National Foundation for Credit Counseling (NFCC)
promotes financially responsible consumer
behavior and provides tools and resources for its associated members to
provide
financial education and counseling services to consumers who are
interested in
credit card debt management programs. Call 1-800-388-2227 to speak to a
counselor near you or visit the Website.
http://www.nfcc.org/index.cfm |
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