Debt Management

Consumer Advocates Credit Counselors Debt Management Program (DMP) is a confidential program individually designed to provide our clients who are financially over extended, with reduced monthly payment plans in partnership with creditors; that in many instances, also shorten the term of the debt. These debt repayment plans provide sound alternatives to bankruptcy.

Consumer Advocates Credit Counselors evaluates the client's financial situation, assists in creating a budget and spending plan, and negotiates repayment plans that lower or eliminate interest and late payment fees. All unsecured debt is consolidated into one affordable payment that is disbursed on behalf of the client to the creditors on a monthly basis.

Education

Education is a key ingredient to successfully regaining control of one's personal finances. Consumer Advocates Credit Counselors is committed to educating consumers and providing them with the tools that they need to succeed. Consumer Advocates Credit Counselors offers community-wide seminars on money management, credit and consumerism. These seminars are conducted by trained Consumer Advocates Credit Counselors representatives for schools, churches, civic organizations, employee groups and professional associations.

Homeownership Counseling

Homeownership counseling services include pre and post purchase counseling, mortgage default prevention and resolution, rent delinquency, and landlord training. Consumer Advocates Credit Counselors also serves homebuyer and homeowners through community organizations and governmental agencies. Homeownership counseling and workshops will benefit many individuals and families during the year.