Consumer Credit Counseling

We have the essentials to help you buy your first home.

This paid course of pre-purchase education and counseling can help you become a successful homeowner and fulfill the requirements of many existing down payment assistance programs

I can help you learn what you need.

Required by law, before your bankruptcy case can be discharged- which means debts included in the bankruptcy are no longer considered collectible- you must complete Pre-Discharge bankruptcy education. This course lasts two hours. Topics covered include:

• Setting realistic financial goals
• Understanding your credit report
• Obtaining or re-establishing credit
• Managing budgets
• And more

Again, this course is required and only available to individuals who have already filed for personal bankruptcy. To enroll in this class you must provide your case number.

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Credit Card Debt

What is the Best Mortgage Loan for Me?
The purpose of this course is to familiarize you with the loan pre-qualification and pre-approval process of home buying. You will also learn about the various mortgage options you can choose from. In addition, you will learn about the underwriting and loan decision process.

If you have any questions, a Certified Credit Counselor is available to assist you as you go through the process.

Just a reminder, completing the counseling session is free, is not a binding contract, and all information remains confidential.

Remember, we are here to help. Our counselors are available nationwide, 24/7-by telephone and online-in both English and Spanish. We’ve helped thousands of people, just like you, get through periods of financial crisis.

If you would prefer to complete your DMP session by phone, please call 800.251.2227 to schedule an appointment with a Budget & Credit counselor today.

For those clients living in the following states or territories: Indiana, Minnesota, North Dakota, Puerto Rico, or the Virgin Islands, we are able to provide Budget and Credit counseling – as well as our other counseling services, but are not able to offer a Debt Management Plan. We can, however, provide you with information on who in your state could provide a DMP.

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Credit Card Debt Problems

What's The Best Mortgage Loan For Me

This course will instruct you on the loan pre-qualification/pre-approval process. Learn about the available mortgage options and the underwriting and loan decision process.

“This is exciting news for both organizations.” said Suzanne Boas, president of CredAbility. “We provide many of the same services and share the same values. Combining the Compass/CCCS program with CredAbility will enable us to serve additional clients in the southeast.”

National Nonprofit Credit Counseling Organization Expands Offices in Southeast

ATLANTA, GA – CredAbility, one of the leading nonprofit credit counseling and education agencies in the United States, today announced an agreement to acquire the Consumer Credit Counseling Service (CCCS) program of Compass of Carolina, a multi-service nonprofit agency based in Greenville, South Carolina.  All other services of Compass of Carolina will remain with Compass.

The acquisition has been approved by the board of directors of both organizations.  It will become effective on November 1.

Compass/CCCS has three offices in Greenville, Spartanburg and Greenwood.  Its CCCS program was started in 1971 and provides budget, credit, and pre-filing bankruptcy counseling, debtor education and debt management plans.

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Credit Cards Debt Settlement

Where Do I Want to Be in 5 Years?

The purpose of this webinar is to help you identify and commit to goals that inspire you to make the right choices. You will learn to start with your ending goal in mind, write down your goals and adjust your goals as necessary.

While CredAbility already provides counseling to consumers in all 50 states, this acquisition enables CredAbility to expand its face-to-face counseling offices to a fifth state in the southeast. CredAbility already has 28 offices in Georgia, Florida, Tennessee and Mississippi.

“This is exciting news for both organizations.” said Suzanne Boas, president of CredAbility. “We provide many of the same services and share the same values. Combining the Compass/CCCS program with CredAbility will enable us to serve additional clients in the southeast.”

“We are pleased that our CCCS program will join a national nonprofit credit counseling agency that can provide our clients with additional services,” said Thomas Bannister, president of Compass of Carolina. “The addition ofCredAbility’s housing counseling services, its 24/7 convenience and its bilingual staff will benefit many residents of upstate South Carolina.”

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Credit Counseling Organization

A Debt Management Plan (DMP) helps consumers who are struggling with credit card debt develop reduced payment programs with creditors. Many creditors offer favorable repayment terms to consumers who enroll in a DMP, including interest rates ranging from 6% to 10% on their credit card debt. These creditors may also eliminate late fees and penalties once a consumer enrolls in a DMP with a nonprofit credit counseling organization.

CredAbility says that the consumers on its Debt Management Plans in 2010 had higher incomes, more credit card debt and were older than in previous years.

In 2010, the average income of a person on a DMP with CredAbility was $53,880, a four percent increase compared to 2009. Each person on a DMP in 2010 had an average of $24,266 in credit card debt, a 4.5 percent increase compared to 2009. The average age of a person on DMP in 2010 was 48, up from 45 years old in 2009.

“While people enrolling in our DMPs earn good incomes, they have an increasing amount of credit card debt,” Williams said. “We can help them negotiate lower interest rates with their creditors that may result in lower monthly payments.”

Where Do I Want to Be in 5 Years?
This webinar will help you identify and commit to goals that inspire you to make the right choices. You'll also learn to adjust goals as necessary.

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Debt Consolidation Counselling

At CredAbility, certified counselors help consumers determine whether they can tackle their financial challenges through budgeting and reduced spending, or if the structure of a debt management plan will be more effective.

For a small monthly fee, consumers make a single payment to an agency like CredAbility, which acts as a trustee in distributing the funds to creditors. CredAbility works with both clients and creditors to design a debt repayment program that minimizes monthly payments, interest and related fees, providing a manageable tailored plan for the client. This enables the client to repay their entire debt obligation at more favorable terms, and on a plan that is within their ability to pay.

The repayment period varies based on amount owed and the repayment terms. The average debt management plan is structured to repay debt in 36-60 months.

The key to reclaiming your financial independence is recognizing the need for help and getting it. At CredAbility, certified counselors will help you evaluate your financial situation and find the solution that best suits you. For more information on Debt Management Plans or to talk with a certified counselor about your options for a debt free life, contact CredAbility at 800.251.2227 or online at www.CredAbility.org.

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Debt Management Agency

Getting into debt can happen to anybody. It can start with a job loss, a medical crisis, a natural disaster or even life in general. No one is immune.

Through our Debt Management Plans (DMP), you can pay off your credit cards, lower your interest rates, eliminate fees and put an end to collection calls - forever. Sound like a plan? Good, because our Certified Credit Counselors can help you get out of debt in four simple steps.

It's free. It's confidential. And all it takes is a couple of minutes. To get out of debt sooner than you think.

Who’s On My Home Buying Team?

This webinar will instruct you on who you need to have on your home buying team. What their roles are and how they will help you achieve your goal of buying a home.

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