Debt Management Programs
While it's not easy to ask for help when you are struggling with more debt than you can handle. It may be your only way out of the debt trap, provided you ask for help from the right credit counseling agency. If you are considering a debt management program to help you get your debt under control, here is a list of the top rated debt management programs available in the United States. While the most popular programs are not necessarily the best, customers do seem to like the following companies due to their great customer service, trained staff, and the fact that they actually help their clients get out of debt. Nevertheless, if you decide to do business with one of these companies, keep the top companies in mind. The following list will give you a good starting point to do your due diligence.
Springboard: Southern California’s Complete Financial Help
Springboard provides budgeting assistance, debt management services, money management, credit analysis and correction, homebuyer’s help, financial planning, income tax services, seminars on money management, and financial education. Springboard is a nonprofit organization founded in 1974. Springboard is a member of the Nation Foundation for Credit Counseling and is accredited by HUD and the AICCA (Association of Independent Consumer Credit Counseling Agencies).
Money Management International (MMI)
MMI provides debt payment plans, house purchasing advice, credit report analysis and help, bankruptcy counseling, budgeting help and advice, money education, credit counseling, and other debt related services. As a customer, you can conveniently work with a financial expert in person, online, or by phone. MMI is accredited by the AICCCA.
Nova Debt
NovaDebt is a nonprofit group providing money workshops, financial seminars and advice, money education, debt management programs, credit report analysis and help, credit-counseling services, and bankruptcy help. NovaDebt’s counselors receive periodic training to ensure they offer the best advice. In addition, NovaDebt is ISO certified and approved by the AICCCA. Lastly, NovaDebt bills itself as a Garden State Consumer Credit Counseling Organization committed to empowering customers through education.
Debt Elimination Programs
American Debt Solutions (ADS)
ADS provides personal action plans, for debt and advice that allow customers to fix their credit and reduce their debt on their own. Additionally, ADS provides education and advice programs to customers at no cost. Lastly, ADS offer debt management programs; however, this option is only available if the customer request or is a good candidate for the program. ADS is a nonprofit credit counseling company and is a member of AICCCA.
Credit Advocate Counseling Group (CACG)
CACG is a fully bonded and insured, New York based, 501(c) 3 non-profit organization that prides itself its highly trained counselors. CACG provides debtor advocacy, credit counseling and correction, financial advice and education, debt repayment plans, account updates, and credit card debt consolidation. CACG is accredited by the AICCCA.
American Credit Counselors Inc. (ACCI)
ACCI offers advice to consumers, credit counseling, debt management services, and financial education. ACCI is a fully bonded, licensed, and insured company based in Florida. In addition, the company is a member of the American Association of Debt Management Organizations and certified by the Council of Accreditation. ACCI is accredited by the AICCA.
If after going through this list, you decide to go with a lesser know company, please compare the company to the top rated companies in the industry and look for a company that is at least accredited.