Consumer Credit Counseling Services

A reliable and efficient debt consolidation program may help you in taking the right step towards becoming debt-free.

If you feel you are overwhelmed with credit card debt, tired of harassing phone calls or just like the convenience of one monthly payment, a credit counseling program may help you.

Credit card consolidation and debt management program can help you financially by offering you a choice of solutions, custom tailored to fit your financial needs.

 

A credit counselor will speak to your creditors and negotiate to: 

  • Stop any harassing creditor phone calls.

  • Reduce your monthly payments.

  • Consolidate all of your unsecured credit card debt into one simple monthly payment.  You may even be able to choose what day of the month it is due.

  • Reduce the number of years to pay off your debt dramatically.

Consumer Credit Counseling Specialists

Fill out the contact information below and a Credit Counselor will call you at your convenience

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Amount of Debt:  *
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* Credit card debt, unsecured loans, IRS debt, utility bill debt, and student loans. Do not include auto loans or mortgages. Describe your credit situation:

 

 

Financial Articles Related To Montana

 

Recession issues Montana

During this tough economic time, all state of America is affected with recession. Montana is one among the states that least affected with recession but as the time keeps going; it is beginning to affect the state budget, according to the report published by financial analyst last month.

It was the worst recession that ever had since 1930 that caused a steep decline in state income which resulted in budget deficit. The present situation is similar to 1930 recession with huge budget deficits after deep cuts, it continue to face large budget deficits. During the financial year 2009-2010, almost 39 states among 50 state of America are facing budget deficit and which will continue to 2011 fiscal year.

In this crisis, many states are struggling to keep up their budget in balance for mid year because the state revenues are falling short of nearly 6 percent. And when the initial and mid year budget deficit is added for total of 48 states it amounted to $193 billion which is 28 percent of state budgets, the ever largest budget deficit recorded.

If the economy recovers faster than expected then the budget shortfalls size can be reduced but at the same time different factors certainly make it difficult for state to recover from this economic downturn. For example: housing market, which will be slow to recover from the decline that caused decrease in consumption and sales tax revenue as consumers refrain themselves from buying not only home but also other things like appliances, construction material, furniture etc.

Some state are not much affected with recession due to mineral rich, in which Montana is one among them that posted dwindling number that showed revenue growth due to increase in oil prices in the starting of the recession. But recently decline in oil prices also affected those states but less when compared to other sates of America.

Montana and North Dakota are the only two states that had not posted budget deficit but recession has dampened those states surpluses that were driven by minerals.

On the other hand, employees that effected most with present recession that recorded highest number of job losses. In an effort to weather the effect of recession for employees, nation�s policymakers that aimed at helping employees are very busy debating the employee free choice act and health care reform. The year 2009 has been the busiest for state lawmakers by passing an array of legislation as they promised. While this legislation that are passed may be good news for employee but they may present new set of challenges for HR leaders in coming days.

It is important to legislation to pass new policy because when the economy is in recession, unemployment number are posting record levels, state legislators must address the need for policies that enable the eligible employees to be productive workers and care for them and their family members in time of need.

With employment situation continue to weak, the income tax revenue that sates receive continue to lag which is causing further downward pressure on state budget.

 
Available in the following Montana Cities:

( For cities available in other States click here )
Billings
Bozeman
Butte
Great Falls		 Helena
Kalispell
Missoula
West Glacier

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Montana Economy- With recession hitting all parts of Montana's economy in 2009, growth rates are projected to be lowest since 1988. Patrick barkey, director of UM's bureau of business and economics research said that we are facing the most major downturn we have seen in 20 years. Barkey attributes this significant change in Montana's economy to the abrupt decline in consumer and business spending and the lower outlook for most of the Montana's key industries. But Swanson, the director of the university of Montana's thinks that the recession that took nearly 10 months to reach Montana's may just as quickly move away, foreclosure we hear so much about more than half of them are confined to four states. He noted that California, Arizona, Nevada and Michigan saw housing prices plunge but that affected few Montana's. Swanson's thinks unemployment will reduce sooner, possibly towards the end of this calendar year.