Credit Counseling is a debt management strategy designed to reduce the debtor’s debts significantly. This process is usually recommended for people who have a substantial amount of debt that even debt consolidation may not help alleviate. When you hire a Credit Counseling company to work for you, you cease all contact with your creditors. Credit Counseling companies speak with creditors on your behalf to persuade them to lower your overall debt, monthly payments and even the interest rates. Credit Counseling companies offer effective strategies for reducing debt through complex negotiation practices.

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Credit Counseling

Regain control of your finances with our Credit Counseling program.

Credit Counseling is a process by which we negotiate with all of your creditors to obtain the lowest monthly obligation needed to satisfy all of your current accounts.

So you pay one "lump" sum monthly which is in turn portioned out to your creditors. This monthly payment will in almost all cases be lower (perhaps by as much as 50%) than the sum of your individual account obligations.

The reasons why our negotiated monthly payment is lower than the sum of your individual accounts is as follows:

We are a non-profit corporation committed to assisting consumers who have had the unfortunate experience of becoming over extended with consumer debt.  In addition to our Credit Counseling program in which you can become a member of, we also provide you educational information. Our credit counseling site is designed to assist you in taking charge of your credit. 

• We work with many large creditors and have many clients. Because creditors are receiving payments from us on many accounts, they often are willing to reduce and/or eliminate both interest and late charges to our clients.

• Because we are recognized by creditors as a leading provider of Credit Counseling services, we can also extend the terms of the incurred debt at a reduced and/or eliminated interest rate with no late fees or further adverse effect on your credit history.

• Creditors recognize that people who enter a Credit Counseling program are trying to repay their obligations in good faith. Creditors are more willing to extend favorable terms to such clients in the hope that they (the creditor) will avoid the significant expense of turning the account over to a collections firm or avoid an extended drawn out process if the account holder goes through the expense of declaring bankruptcy.

          Credit Counseling companies correspond with creditors on debtors' behalf and assist debtors by establishing a monthly saving goal so as to start investing only to raise money for the settlement of the debts. Credit Counseling can almost always be done with the correct negotiation with the creditors. This can be done best by hiring a experienced third party. For guaranteed satisfaction have an expert, like Credit Counseling Company™, contact the creditors personally rather than trying to do it yourself.

The A.D.F Credit Counseling is a way to end your debt without overpaying Credit Counseling interest fees. Credit Counseling program gets you out of debt, helps you avoid bankruptcy, and helps you avoid the trap of enrolling in a Credit Counseling program. We engage in arbitration with your creditors and get you back on track to restoring your credit.

Put an end to creditor harassment
Upon being accepted into Credit Counseling program, your creditors will stop calling you and contact us instead. All correspondence from creditors regarding your arbitration is directed to the A.D.F offices. Our experienced staff of debt arbitration negotiators will be in direct contact with the creditors, freeing you from the stress and embarrassment of their calls.

Get out of debt faster than you thought possible
Unlike most Credit Counseling companies who merely provide new loans for you, the Credit Counseling program will negotiate settlements with your creditors for pennies on the dollar. Credit Counseling program allows you to pay back a fraction of what you owe as soon as possible.

Budget less money each month for your debt
Entering Credit Counseling program immediately makes an impact on the amount of dollars in your pocket. Credit Counseling program frees up money to help your cash flow. As your monthly payments under the program are typically less than what you were previously paying, you can keep more of your hard earned dollars for yourself and your family while traveling on the road to debt freedom!

Smarter than Bankruptcy or Consolidation
Credit Counseling program helps you, while consolidation only helps your creditors. When you enter a consolidation program, your creditors are assured of getting all of their money, regardless of how much extra interest they charge you. By having us engage in debt arbitration on your behalf, you can avoid the long lasting black mark of bankruptcy and the high cost of consolidation.

Regain control of your finances with Credit Counseling program
Once provides debt negotiations for you, the anxiety associated with your debt problems will be a thing of the past. Credit Counseling program helps you and your family regain control of your finances. When you have completed Credit Counseling program you will be debt free and ready to build your financial future.

We at the A.D.F are committed to providing the highest level of customer service. The success of Credit Counseling program rests solely on the relationships we build with our clients and with consumer lending institutions. These relationships are built on trust, understanding, and mutual respect. We form a partnership with our clients; Ultimately leading them on the path to financial freedom.

Let one of our counselors explain how debt arbitration or Credit Counseling is the best answer for you. Please review the details of our Credit Counseling program, or click here call us now for a free consultation with one of the A.D.F debt arbitration experts.