Consumer Credit Counseling
That You Can Really Trust

How do you find legitimate consumer credit counseling? Can you tell the real from the fake consumer credit counselors quickly and easily? Can you get help with credit card debt to eliminate your present stress?

First you need to find out if settling credit card debt is even possible for you. If you're a disabled person and suffering extreme financial hardship, we can point you to recommended ways to settle outstanding debt.

Avoid getting taken for a ride that could leave you in an even deeper financial mess. You can find honest and fair consumer credit counseling. There is consumer credit help available if you look in the right place. Here's what the FTC (Federal Trade Commission) says:

A great number of credit counseling organizations are called nonprofit and work to fix your financial difficulties. However, proceed with caution. "Nonprofit" doesn't necessarily mean that the organization's services are free or even affordable. This also doesn't ensure that they are legitimate. On the contrary, some credit counseling organizations charge high fees, hide some consumer costs, or persuade consumers to contribute "voluntarily," which could in fact increase their debt.

Many consumer credit counseling services offer help on the phone, the internet or through local offices. Wherever possible, look for an organization that offers in-person counseling. Most military bases, housing authorities, credit unions, universities and branches of the U.S. Cooperative Extension Service operate nonprofit credit counseling programs. Excellent sources of information and referrals are your own financial institution, local consumer protection agency and family and friends.

Consumer credit counselors and debt management advice do exist. Accessible.Org advises you to follow the FTC's advice to guarantee your financial security and safety. Please view this FTC video completely before proceeding.

(Currently, Accessible.Org advocates only one consumer credit counseling organization. If your group's credit card solutions meet with FTC standards, kindly contact us to be added to the list.)

Taking That First Step

Settling credit card debt is like walking 100 miles. You can't do it without taking that first step!

Going for a 100-mile walk always begins with that first step. It's easy to take just one step, a lot harder to imagine walking over a hundred miles. Settling credit card debt is the same thing. It's simple to get consumer credit help and reduce credit card debt. It's never easy.

By asking some simple questions, provided in the FTC's straightforward guidelines, you can eliminate illegitimate credit counselors and narrow your search. Here are some examples:

• Type and range of services? Avoid organizations that advocate a debt management plan (DMP) as your only real choice before they invest in studying your financial circumstances.
• Information available? Free educational materials? Avoid groups that charge for these services.
• Beyond settling my present difficulty, will they help me create a strategy to avoid future problems?
• Fee schedule? Monthly and/or set-up fees? Avoid strictly verbal agreements, get it in writing.
• What if I have trouble paying those fees or in making contributions? Avoid working with organizations that would refuse to help in those situations.
• Fully trained? Licensed? Qualified consumer credit counselors? Avoid those not accredited or certified by an outside organization. Also, try to use an organization whose counselors are trained by a non-affiliated party.
• Will all my personal and financial information be kept confidential and secure?
• Do their employees earn bonuses for signing me to certain services or if I pay a fee or make a contribution? Avoid those that hold to these practices, go elsewhere for help.

Pennies From Heaven

Settling credit card debt is not at all like catching money falling from Heaven!

Obviously money doesn't fall from the sky but some people act like it does. Credible credit card debt solutions are there for you but sitting around waiting for a pot of gold at the end of the rainbow is not likely to help today.

Now's the time to get a grip on your economic future. Steer your financial ship on the straight and narrow. It's not going to be quick, nor is it going to be easy, but it will be satisfying and ultimately rewarding. Don't be discouraged or tempted to give up.

Look for professional help with your credit card debt. Find consumer credit counselors that are tried and true and will work for you. It's not hard to do. Simply follow our reliable, sensible debt management advice on reducing credit card debt.

By doing so, you'll quickly locate the most efficient, effective and capable debt reduction advice team available. Eliminate endless hours of frustrating effort and fruitless searching for credit card debt solutions. Don't let searching for solutions keep you from financial freedom.

Be rid of that nasty financial burden of credit card debt once and for all. There ARE experienced, professional counselors available to you immediately. Be Smart, use your head and work with the only consumer credit counseling service we can recommend. Read further and get ready to be satisfied.

Our Only Possible Recommendation

We recognize that there are countless fakes in the marketplace jostling for your business. So we did the research and found only one that we can safely recommend and that's CareOne^SM Debt Relief Services.

CareOneSM Debt Relief Services offers you the soothing reassurance that only a true professional can.

Even their name is comforting and a light in the darkness. The "caring" part is reassuring and soothing at a time when you feel anything but calm. They'll develop credit card debt solutions that will provide real help in securing a brighter financial future.

Of course, a lot is up to you. You've got to accept a debt management plan and make that first move towards ridding yourself of a debt load that's crushing you. You have everything to gain by starting today.

There's no financial risk or obligation involved with completing their form. With just six quick, non-invasive qualifying questions, you're on your way. Here's what they need to know:

1. First Name
2. Last Name
3. Email address
4. Phone Number
5. Zip Code (US only)
6. Total Unsecured Debt (minimum $2500)

Okay, you're ready to get started. With these six basic bits of information, you get the healing process started. You've never been more ready to take care of yourself, so go to CareOne^SM Debt Relief Services now and set your course for a brighter tomorrow.

By the way, their service providers are highly rated with the BBB. And this is something anyone can verify!

Benefit from what 4.5 million people already know. Let them help YOU today! Visit them now! There's absolutely no risk.

There IS one huge risk, though. If you fail to take action now toward your credit card debt relief solution, your financial problems will only get worse. Do the right thing!