It may seem that debt settlement would be a great idea when you’re struggling to make ends meet, but it is not recommended for most debtors. If there is any way that your current unsecured debts can be met, the better option for debt relief in Pennsylvania is debt management.
Debt management is essentially a life skill; it is not something that comes to play only when you find yourself in hot water with your creditors. The US economy is basically driven by debt, so being in debt is not necessarily a bad thing. It is only when it gets out of control that problems arise.
This is where debt management companies can come in handy. Most reputable debt management companies have counseling professionals to analyze a person’s financial situation and give advice for better financial management. This has immediate and future benefits for the debtor.
A good debt management plan takes into consideration the extent of a debt problem, a person’s idiosyncrasies when it comes to purchasing and payments, as well as the type of debts incurred. It is then customized to serve as a practical and workable guide for becoming, and staying, debt free.
However, not all debt management services are created equal. Some give you exactly what you need at reasonable cost, while others are more intent on improving their bottom line than yours. It is therefore important to do your research if you want true debt relief in Pennsylvania.
Here are some debt management companies that have a good reputation for serving residents of Pennsylvania:
CareOne Debt Relief Services
CareOne is actually a group of service providers for debt relief, so chances are there’s one in any state. Providers under the CareOne are required to meet high standards of service, so any company vetted by CareOne will provide quality help. For debt relief in Pennsylvania for at least $2,500 and not more than $10,000, CareOne may be able to provide you with the best plan for managing debt.
You can get started with CareOneSM by going to the website and filling out the application, including some personal information and current debt. This will give the system a better idea of what kind of debt relief in Pennsylvania you will need. Many residents in Pennsylvania have a problem with student loans which preclude the debt settlement option, so a debt management program is most probably going to be suggested.
You will then be provided with a debt analysis and educational resources for free, and you will have the choice of enrolling for the recommended debt relief plan online, or speaking with a counselor for more information. It is easy and convenient, and there’s a good chance you will get all the help you will need for debt relief in Pennsylvania.
Advantage Credit Counseling Service, Inc.
Formerly Consumer Credit Counseling Service of Western Pennsylvania, Advantage CSS has an A+ rating with the Better Business Bureau for credit and debt counseling services, and has been in the business since 1990. Residents of Pennsylvania may avail of Advantage CSS services by calling and a certified counselor will interview you to get the details of your debts and financial situation for free.
After an analysis of your situation, the counselor with provide suggestions for managing your debt, and may give referrals to community organizations that may be of use to you. A debt management plan will be proposed, and you will have a choice of coming on board or not.
These debt management companies should be considered if for no other reason than to explore your options. Once you have decided on a service provider, you will be well on your way to debt relief in Pennsylvania.