Consumer Credit Counseling / Non-Profit Services
Long Term Repayment Plan
Prequalification Questionnaire

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Award winning site for debtors by Attorney Mory Brenner
Consumer credit counseling keeps you out of bankruptcy.Consumer credit counseling can save you money.Credit counseling agencies can stop creditor calls.When your credit counseling program is done, your debt will be gone.Credit counseling plans are custom made for you with payments over several months or several years.Use the non-profit consumer credit counseling prequalification form below to see if your situation fits this alternative to a debt consolidation loan or bankruptcy.

See if your situation fits with the long term debt management / credit counseling program by clicking on your answers to the questions below.


Prequalification Questionnaire

Do you owe between $2,500-$25,000 of unsecured debt not counting student loans or taxes due?
YES - Proceed            NO - Click Here

Are you current on your mortgage or do you rent where you live? Are you current on your car loan/lease payments or do you not have a motor vehicle?
YES to both - Proceed                   NO to either - Click Here

Are you 120 days or less late on unsecured debt payments?
YES - Proceed                        NO - Click Here

Do you understand that enrolling in a credit counseling program may be viewed by bankers as a negative event equal to a chapter 13 bankruptcy when reviewing your credit?
YES - Proceed                        NO - Click Here

Can you afford at least enough for a debt consolidation payment each and every month so that you could pay off your debts in three years or less if the interest rate went to zero. Could you continue this payment toward settlement of your unsecured debt for a few years?
YES - Proceed                          NO - Click Here

Would you find it almost impossible to come up with a lump sum payment for debt settlement even if you had a year to come up with the money? Even if the debts were reduced to 30 cents on the dollar?
YES to Both - Proceed                    No to Either - Click Here




It looks like you could be a good candidate for a debt management plan by a non-profit credit counseling agency with payments made over several years.

Click Here to view links to various non-profit consumer credit counseling agencies.






























If you owe less than $2,500 you should give more thought to working directly with your creditors or working harder to make at least the minimum payments until you can pay off the debt. You can get your credit back on track sooner if you can avoid making the creditor settle for less than they are owed or working through a long term credit counseling program. If you owe more than $25,000 you should also be looking at various bankruptcy options that may be available. The choice as to which solution fits your own personal situation will be best decided after you have examined all bankruptcy and non-bankruptcy options. You may wish to have a full personal debt evaluation performed. To learn more about debt and bankruptcy read the links at the Debtor Links site or Bankruptcy Alternatives. Click here to continue the prequalification form for non-profit consumer credit counseling.
















If you are at risk of losing your home or car you should be very careful about where you spend your money. Read the article on Who to pay when you can't pay everyone. A Chapter 13 bankruptcy may be an option to explore. The choice as to which solution fits your own personal situation will be best decided after you have examined all bankruptcy and non-bankruptcy options. You may wish to have a full personal debt evaluation performed. To learn more about debt and bankruptcy read the links at the Debtor Links site or Bankruptcy Alternatives. Click here to continue the prequalification form for non-profit consumer credit counseling.
















If your credit has already been ruined other plans may save you even more money. The choice as to which solution fits your own personal situation will be best decided after you have examined all options including a debt consolidation through debt settlement program. Read more at the Credit FAQ. You may wish to have a full personal debt evaluation performed. Click here to continue the prequalification form for non-profit consumer credit counseling.
















While you are enrolled in a consumer credit counseling program a notation shows up on each item involced that you are working with a credit counselor. Potential granters of credit such as banks, mortgage companies and issuers of credit cards will look at this information in various ways. Some will feel you have gotten in trouble but will see the fact that you have recognized the problem and sought help as a good thing. This does not mean that they view your credit as good, but better than it might have been had you not sought the help. More commonly, banks will view someone in credit counseling to be at the same credit level as someone in the middle of a chapter 13 bankruptcy reorganization. When you finish the debt program often these notations vanish, but while you are enrolled you must assume your credit will be temporarily ruined. If you have great credit now consider this carefully before you enroll in a non-profit creit counseling program. The choice as to which solution fits your own personal situation will be best decided after you have examined all options including a debt consolidation through debt settlement program. Read more at the Credit FAQ. You may wish to have a full personal debt evaluation performed. Click here to continue the prequalification form for non-profit consumer credit counseling.
















Even debt management plans require payments. If you can not afford enough for your unsecured debt payments a long term non-profit counseling plan will not work. Perhaps you should look at various bankruptcy options which may be available or a plan to settle your debts for less than you owe. The choice as to which solution fits your own personal situation will be best decided after you have examined all bankruptcy and non-bankruptcy options. You may wish to have a full personal debt evaluation performed. To learn more about debt and bankruptcy read the links at the Debtor Links site or Bankruptcy Alternatives. Click here to continue the prequalification form for non-profit consumer credit counseling.
















If you can come up with a lump sum to pay off a discounted debt settlement your fees will be less and you will be able to start rebuilding your credit sooner. You may even be able to achieve lower settlements. The choice as to which solution fits your own personal situation will be best decided after you have examined all options. Remember a discounted settlement will be a very bad mark on your credit. You may wish to have a full personal debt evaluation performed. Click here to continue the prequalification form for non-profit consumer credit counseling.


















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