Wednesday, August 4th
2021 Debt Relief Company Reviews
Credit.org
- Cost: Most of the services offered are free. Some of the coaching services have a nominal fee depending on your circumstances.
Credit.org has a stellar reputation spanning more than 45 years in operation. Also known as Springboard Nonprofit Consumer Credit Management, this service offers non-profit financial coaching for a wide range of credit and debt concerns, including housing (foreclosure, reverse mortgage, pre-purchase), bankruptcy, student loans, and debt relief. The BBB rates credit.org as an "A+" accredited business across all of the services provided. Additionally, credit.org is accredited by the National Foundation for Credit Counseling (NFCC).
One of the most compelling reasons for considering credit.org is that many of their services are free of charge. For example, here's what you get when you choose to use their Debt and Credit Coaching:
- Complete Financial Review
- Free Credit Education
- Debt Resolution Options and Suggestions
- Resources and Referrals
- Personalized Financial Action Plan
- Ongoing Support
Yes, you understood that correctly: you'll pay absolutely nothing to use credit.org's phone coaching for these services. Because this service is funded by donations and government grants, you are able to access a wealth of support at no cost to you.
Now, that's not to say that everything is free when you use credit.org for debt relief coaching. For example, if you're looking for a more traditional debt management plan - to help you pay off your debt faster, reduce your interest rates, create a realistic budget, consolidate payments, and/or stop collection calls - you may pay a small enrollment fee along with monthly service costs.
What are those fees? They vary according to a number of factors. After our investigation, we can tell you to anticipate an enrollment cost of around $35 and monthly fees up to $20. Your exact costs will depend on the state where you live, your personal situation, and whether you qualify for a reduction or waiver of your fees due to hardship. Unfortunately, we couldn't find specifics from credit.org about their eligibility requirements for those reductions/waivers.
We really appreciate that credit.org has so much to offer at no charge. And, for many consumers, some knowledgeable, friendly coaching may be all they need for debt relief - to identify the best steps to take next and the ideal resources to get them there. Plus, credit.org's fantastic reputation over nearly 5 decades is a huge advantage in an industry where it seems like some new financial or debt service is always popping up. For their wide range of services, including free coaching for consumers, credit.org earns very high marks and is worth your consideration.
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Where is the Best Place to Go for Debt Relief?
Debt Relief is more important now than ever before. Across the country, millions of people are finding it more and more difficult to meet their financial obligations. As mortgage interest rates rise, Adjustable Rate Mortgage (ARM) payments skyrocket. Credit card late fees continue to climb higher. Lenders keep offering credit to people who are in desperate need of help, but this only prolongs the problem, and often ends up simply increasing the total debt owed by a person.
Thankfully, there are a number of opportunities available if you find yourself in this situation. Debt Negotiation, Debt Settlement, Repayment plans, and Debt Consolidation are just some of the options you can pursue. However, not all debt relief companies and plans are the same. You need to find the right debt relief solution, and just as importantly, the best debt relief company, to work with in order to address your financial needs.
Debt Relief Company FAQ
Continued from above...
With all the debt-related offerings available, it can sometimes be confusing when examining the different debt relief programs and companies. When comparing your debt relief options, there are a number of important features you should consider. Some of these include:
- Solutions. Does the company only offer one debt relief solution? Or are they well-versed in a number of options? Having a variety of choices means they can find the right debt relief program that fits your specific needs.
- Cost. How does the debt relief company get paid? The best ones will earn their money from a percentage of what they save you; that way, they only get paid if you save money.
- Dependability. There are many fly-by-night debt relief organizations out there. How long has the company been in business? Are they affiliated with the BBB (Better Business Bureau)? Is this a company you can trust?
TopConsumerReviews.com has reviewed and ranked the best debt relief programs available today. We hope these reviews help you in your quest to become debt-free!
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