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 Utah

 

The economic crisis and its impact on Utah

The economic storm hit United States of America hit very badly and Utah also hit very badly. Indeed, recession already hit the Utah state budget with drop in tax revenues. Decline in tax revenue came from every sector like sale tax, gasoline tax and income tax. The sectors that are affected by recession are education and infrastructure to gasoline and transportation which are very critical in future of state and it already lags well behind compared to rest of the country in consumer confidence.

To the downside of the economic crisis, the economy of the Utah is having a major impact on the consumers spending confidence. It has been reported that around 90 percent of the consumers are in belief that they are currently living in a recession. This reveals the fact that recessionary mindset is influencing consumer behaviour.

The reason for decreasing consumer confidence is that more people are experiencing the worsening financial situation, threatening job security and falling confidence in housing market since 2007. The recession which began in 2007 has its most impact on employment that is losing its ground during this recessionary period and other negative consequences include drop in retirement funds, decline in real estate values and structural government deficits.

Unfortunately, the economic crisis is now turning towards social crisis which are closely connected and interdependent. The actual crisis came when the importance of global health is not a priority. First in 1978, the efforts were made to use health as a route to socioeconomic developments but immediately fuel crisis, soaring oil prices and then debt crisis are the reasons for shifting the budget away from the investments in social sector like health and education. This is the reason many countries are still struggling from the legacy of these errors.

But what the current financial crisis will mean to low income and emerging economies which in turn for affluent economies, the global recession means cuts to development assistance or in social spending like health, education and social protection which the low economies will be forced to undertake.

Therefore it is essential to lean from the past and to counter this period of economic downturn start investing in health and social sectors. The reasons to support these sectors are:

Promote economic recovery: economic recovery is only possible when you lay foundation of economic productivity and accelerate recovery towards economic stability.

Protect the poor: rising fuel prices and food prices along with reduced job security are the factors leading to uncertainties in economic downturn.

Promote social stability: equally distributing health care to all economies is critical contributor to social consistency. It is best protection towards social instability, especially in the time of crisis.

Build security: health is neither stable nor secure through out the global economies. Lack of investment in health sector is leading to unprepared pandemic diseases like HIV/AIDS.

These are the most important steps to be taken to avoid further crisis across the economies including low income and emerging economies.

 

Available in the following Utah Cities:

( For cities available in other States click here )

Cedar City
Logan
Moab
Ogden
Park City
Provo
Saint George
Salt Lake City

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Utah Economy- Utah continues to be the top ranked state in its economic outlook. Utah economy slowed during 2008. Employment growth fell from 4.0% in 2007 to .03% in 2008. Construction was hardest hit sector in 2008 with Housing permits fell 9900 or 48% form 2007. Utah's economy is expected to waken further in 2009. Employment growth is forecast to contract 2.5% during 2009. Falling consumer confidence, the housing downturn, reduced credit will slow and weaken the economy during 2009. Unemployment is expected to increase from 3.7% in 2008 to 5.8% in 2009.