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.

A credit card debt reduction 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

First Name:
Home Phone :
Last Name:
 Work Phone :
State:
 Email:
Amount of Debt:  *
 Call At:
* 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 Rhode Island

 

Options for unemployed with credit card debt in Rhode Island

Losing job is most horrible moment of the life and with economic crisis, many people across the nation are losing job. Rhode Island is one among the states that are losing high number of jobs which recorded 2nd highest state recording unemployment of 12.7 percent.

With most people are losing their job and credit card and other debt add to the strain. Is it possible to survive unemployment with credit score not affecting, be current on payments and with soaring interest rates? Yes it is possible, but it needs careful planning.

Here are the things that any unemployed must do to stay out of trouble during tough times:

Prioritize the things: during the tough times one must not go over the luxuries. Try to settle for the basic needs. Don�t look for the credit score but instead prioritize your needs. Pay of your mortgage, utility bills, buy food and medicines and then look for making credit card payments. People always look to make payments to creditors first to get rid of baldy phone calls during nights or at odd times but what if your electricity has been cut off? On the other hand if you miss the credit card payments, your interest rates may jump for defaulting on payments. So prioritize which is most important.

Assess you position: before taking any kind of action you must sit and know where you actually stand. It is important because many consumers do not actually know where all their money is going. The best way to find this is go through your bank statements, your unemployment benefits records and other sources of income and see which is unavoidable expenses are and which are unnecessary. Finding the unnecessary expenses help you cut them at these tough times. Are you thinking how it is possible? Here is when 50 years old IT professional lost his job and have 10,000 of debt calculated over all credit and utility cards. Then to make needs meet and pay off the debt with not damaging their credit score they had given up like satellite TV and started to stay on coupons for their necessities and transferred there credit card debt to some 0 percent introductory offer to keep their debt under control till they get job helped the couple a lot.

Start searching for a new job: find a new job as fast as possible because it is the only way to prevent falling behind the credit card or other types of payments. It has been reported that states are going out of budget to pay unemployment benefits. It is recommended that one must spend at least four to five hours a day in searching job like finding placements, sending resumes etc.

Avoid adding more debt: meantime you get the job don�t put on your debt. Try to control your spending habits. Doesn�t shop with credit cards any more and spend only cash what you have. Making note of all these things will help you stay out of credit card debt stress when you are unemployed.

 
Available in the following Michigan Cities:

( For cities available in other States click here )
Bristol
Block Island
Cranston
Kingston 		Newport
Providence
Smithfield
Warwick

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Rhode Island Economy- With a downturn in the economy that has become more severe in recent month and with unemployment rate 10.5% as of Feb. 2009. In this economy more than ever before, we need to be able to turn on a plan, which we need to provide struggling companies with capital when they need it. Here are the 10 actions the EDC (economic development corporation says are intended to confront our economic challenges and begin to put Rhode Island back to work.