If you have been behind 30-90 days you are considered a "slow pay" and your credit report may have late notations already listed. Community Credit Counseling will not report you to any credit reporting agencies. While on our program your creditors will begin to receive payments in a timely and consecutive fashion. Some may even waive or reduce any late fees that you have incurred and even bring your account to a current status, which is known as re-aging. Some creditors will report that your accounts are being paid by a credit counselor.

Do not be in any way embarrassed that you are seeking help with your debt situation. In fact you are being proactive by seeking outside assistance and for this you should be commended. After all, In the current economic situation, many people have unfortunately suffered financial setbacks. In many cases this has resulted in the accumulation of unwanted debt. Always remember that you are not alone in needing help in this vital area.

As you may already be aware, until recently there has been an overabundance of easy credit. Many consumers became enticed by this and ended up purchasing things they wanted or needed and financed it through debt. The tightening of credit has made this more difficult but it is still easy enough to do especially if your credit score is still strong. It is therefore not always easy for a household or individual to avoid problems with debt, even if you follow some important guidelines.

For many this debt in question is an unbearable burden. Fortunately there are tools such as credit counseling, debt consolidation, debt management and other forms of debt help to assist you in managing this situation, which is why you are here. Congratulations on taking a bold step forward to receiving the assistance, counseling and debt help that you deserve. As you have probably learned by now, debt is something which you must manage carefully. It can be a great resource but it is very easy to get into trouble with.

Please note that there is no social stigma to needing credit counseling or any other type of debt relief or debt management, especially in this economy where the problem is quite common. For our part, we are happy to assist you in this regard. This entails good debt management strategies, and recommendations will follow based on your specific financial situation, which is unique.