Good Credit Bill Consolidation
& Credit Counseling

If you are behind in your bills, or seem to be drowning in credit card debt, you are 1 of 30 million people in the same situation. Working with a credit and debt counselor can help you get out of debt in a relatively short amount of time.

If you own property, or a home, one way to immediately reduce your debt is to refinance your house. Options and resources can be found in our Home Loan section by clicking here.

Check with the National Foundation for Credit Counseling or the Association of Independent Consumer Credit Counseling Agencies.

Consider a Debt Counselor Who:

Gives Free Advice
The initial counseling session should be at least 45 minutes in person or by phone. The counselor should go over your entire budget, not just your credit card bills. Modest fees will apply for some services.

Doesn't Force a 'One Size Fits All' Approach
Agencies should offer personal finance classes and budget counseling and not automatically push a debt management plan.

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1) Track your spending on a weekly basis. Try to account for every dollar spent, whether it's going toward paying large bills or buying a $3 latte in the morning.

2) Create a budget and stick to it. Figure the amount you spend, and put the rest into savings.

3) Don't pay your bills with credit cards that carry a high interest rate.

4) Stick to a meal plan. Wasting money by eating out often can drain your financial resources. Homemade meals cost much less so try to shoot for eating one meal out per paycheck.

5) Set a date every month to pay your bills.

6) Have a sale. You have excess possessions you don't really need. Consider having a garage sale or putting unwanted items up for auction at eBay. Another place to list items for sale is at CraigsList.