Credit Card Debt is the root of most debt problems. Consumers are presented with several credit card offers weekly. Alot trying to lure you in with a low balance transfer rate and introductory APR. The issue is that a lot of consumers are jumping in and signing up for too many credit cards.

Take a moment and read some tips on managing your current credit cards and using them responsibily.

What is Debt Management?

Debt Management is the program that consolidates your unsecured debts into one monthly payment, which is sent directly to your creditors by the Credit Counseling service. 

Credit Counseling is the actual sessions you will have with a professional counselor regarding debt management, budgeting and personal finances.

Consolidated Credit Counseling customizes a Credit Counseling & Debt Management Program that fits your financial needs.

Our certified credit counselor’s review your financial information and then work with your creditors to arrange reduced monthly payments, interest charges and fees for your unsecured debt. You make a single monthly payment to Consolidated and those funds are then disbursed to all creditors on a monthly basis.