Consumer Counseling Testimonials

Consumer Credit Counseling, Debt Settlement, Debt Management, Bankruptcy Counseling and Loan Modification are services we take a lot of pride in providing our clients in helping them become debt free. Often times this can be a life changing experience, so we encourage our clients to write to us. We understand that our clients are faced with many difficult decisions and feel that the best way to explain what we do is for our clients to express their debt relief experiences.

Our debt relief programs have provided the debt relief and debt help that millions of Americans are now looking for. We understand that many of you are scared and unsure as to what to do. Consumer Counseling has compassion for your debt struggles and can customize a debt relief program that’s right for you. Why continue to drown in debt when debt relief and debt free living is right around the corner!

Here is a sampling of scenarios that we have been able to assist with and how consumers have benefited from working with Consumer Counseling.

After my wife passed away, living on my own has been a struggle. She used to handle all the bills and budget our money each month. Reaching out to Consumer Counseling helped me put together a financial plan that I could adhere to. No longer do I worry at the end of each month if I am going to have enough money for bills. Credit Counseling helped give me the piece of mind that I needed. Speaking with someone who truly understood what I was going through made all the difference in the world.

When I got laid off from my job, the first thing I thought about was my daughter and how was I going to take care of her? Like any Dad, I made sure me being laid off didn’t interrupt her life. After five months I no longer had any savings and didn’t know where to turn. I decided to enter my contact information online and have an expert from Consumer Counseling call me. Speaking with them gave me hope again and lifted up my spirits. I knew by having a financial plan to get out of debt would get me back on track and help me regain control of my life. I am glad I spoke with them when I did, because if I waited it could have been a lot worse.

Through the years I have always struggled with my credit. When I purchased my first home I was only able to obtain a short term mortgage. After paying my mortgage on time for two years, my payments suddenly jumped to a level I could no longer afford. My bank was calling me demanding payment and was unwilling to help me with lowering my loan. I was just about to let my house go into foreclosure and walk away. One day at work I decided to go online and I came across Consumer Counseling. I called them and learned that I was a candidate for a loan modification. After only a short time I was able to modify my loan to a lower interest rate with a new monthly payment that I could now afford.

After experiencing the financial hardship that we just went through, I knew our days of good credit may never come back. We had more bills than anyone could imagine and our interest rates were almost thirty percent on each credit card. Needless to say we could no longer afford the minimum payments and began to lose hope. Thinking bankruptcy was our only alternative, we decided to gather our documents and start looking for an attorney. On a whim and a prayer, we decided to do one last bit of research and came across Consumer Counseling. With nothing to lose we decided to call up and speak with a specialist. Within the first few minutes we realized that their still may be a glimmer of hope. Consumer Counseling explained that we could enter a debt management plan while still keeping our credit in good standing. On top of that, the interest rates on all of our credit cards would be lowered and we could enter a program to pay off all of our bills.

Both I and my husband have the tendency to enjoy the good life! Unfortunately for us we took it a little too far. When we ran out of room on our credit cards and could not borrow any more money, we knew we had a problem. Our monthly payments on our debt far outweighed what we were making and calls from creditors were causing us to lose sleep. Initially we thought our only hope was bankruptcy. However when we spoke with Consumer Counseling we realized that their were more options. After analyzing our situation, which picked the program that was best for us and began to regain control of our life. 

I can’t begin to express the joy I felt upon entering my debt settlement program. It was like the weight of the world was lifted off of me. With more than one hundred thousand dollars of debt, every single day I woke up became a struggle. I felt like the world was caving in and I had no place to turn. Just by being able to speak to my Consumer Counselor put me at ease. To know that their was someone else on the line that had compassion for my situation meant the world to me.

Up until recently, I had no idea what a loan modification even was. I knew my loan was about to reset and when I saw the new proposed monthly payment, I almost fell off my chair. My payment was going to increase hundreds of dollars each month and it was money I did not have.  I tried contacting the bank on my own and simply got the run around. No one would give me a straight answer and I was told that their was a significant amount of files ahead of me. At this point I knew it was time to turn to the professionals, so I reached out to Consumer Counseling. After my file was immediately reviewed, I was explained my options and decided to go forward knowing that my money was 100% refundable and was never at risk.

When I got behind on my home I automatically assumed that I would lose my house. I was told foreclosure was inevitable and that I had run out of options. Consumer Counseling walked me through the loan modification process and provided me with a plan to remain in my home. I learned in school that education was the key but I never realized how important it was to continue seeking it out.

Our debt management program was the debt relief we needed to get our financial situation back in control. With our credit card interest rates sky high, we knew that we needed to take action. It was important that both of us kept our good credit rating in tact, while still lowering our monthly payments. Our debt program allowed us to do this and provided us with a monthly payment schedule we could afford.

We both never envisioned a financial hardship like the one we experienced, but sometimes the unexpected happens in life. With no where to turn, we felt helpless and alone in the world. We knew we couldn’t go to our friends for advice, so discretion was very important to us. We felt safe knowing we could speak to a Consumer Counselor and receive straight answers to difficult questions, all while keeping our situation completely private. With knowledge in our hand, we were able to make the right decision for ourselves and start the path of becoming debt free.

My debt management plan allowed me to reduce the interest rate on all my credit cards as well as lower my minimum monthly payment. By doing this I received the breathing room I needed until I was able to receive my raise. If it wasn’t for my debt management plan I probably would have fell behind on my bills and my credit would have been damaged. Once I reviewed all my options with my consumer counselor I knew I made the right decision.

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