 With the struggling economy, many people are finding themselves deep in credit card debt. Therefore, consumers are forced to turn to debt consolidation in order to get control of their finances. However, before a person decides to consolidate their credit card debt, they need to be aware of the credit... |
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Living with debt is by no means easy. There’s the constant concern of living paycheck to paycheck and the never ending issue of covering monthly bills and living expenses. While most of us pride ourselves on being self-sufficient, it’s hard to ignore that we all sometimes live well beyond our means.... |
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| ClearPoint Financial Solutions, Inc. |
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Background 8000 Franklin Farms Dr. Richmond, VA 23229 Other Business Names: ClearPointFinancialSolutions, ClearPointCreditCounselingSolutions Summary of Business: Credit Counseling, Debt ManagementDebt Consolidation Number of BBB Complaints as of 7/17/08: 22 Members of BBB: Yes BBB Profile Business Start Date: 1979 Number of Employees: N/A Trade Organization Memberships: NFCC (National Foundation for Credit Counseling) Certifications: COA (Council on Accreditation) Want to make sure that the company you are dealing with is reputable? Read PayingPaul.com's report on debt scams, frauds and rip offs. Is your company a non-profit organization? Yes Do you offer pre-bankruptcy credit counseling? Yes Are your counselors certified or accredited? If neither, how are they trained? Counselors are certified by the NFCC What trade organizations are you a member of? NFCC Eligibility Is there a minimum amount of debt to qualify? N/A Do you deal with unsecured debt only? N/A Do you require that all of my accounts are included in the program? N/A Services How is the set up fee and monthly maintenance fee determined? what is the fee? To offset the administrative costs incurred during the life of your debt management program, a maximum of $35.00 per month will be deducted from your monthly payment to creditors by ClearPoint. Are there any creditors that you do not work with? Counselors review each client's creditors prior to their enrollment. Although some creditors may not offer concessions to the client, Clear Point can still help by consolidating and mailing out payments. How will I be kept appraised of whether you are making my payments on time? Are statements sent? Can I review my statements online? Statements sent each month and access online Do you have a refund policy for unsatisfied customers? Client can cancel at anytime, but fees up to that point are not refundable. (Disclaimer: The following information is based on an informal conversation that PayingPaul.Com had with a representative from this company. In no way should this be construed as a formal statement made by the company about the services it offers. Moreover, although an effort has been made to keep this information up to date and accurate, in no way is this a comprehensive overview of the company profiled. For complete information, please contact a representative from this company.) Want to get a free quote from a debt management company? Fill out a form and PayingPaul.Com will match you up for free! Other Locations Arkansas Jonesboro, AR Illinois Marion, IL 62959 Mt. Vernon, IL Quincy, IL Springfield, IL Swansea, IL Kentucky Paducah, KY Maryland Lanham, MD Missouri Arnold, MO Cape Girardeau, MO Columbia, MO Florissant, MO Poplar Bluff, MO St. Charles, MO St. Louis, MO 1300 Hampton Ave. at West Park St. Louis, MO North Carolina Charlotte, NC Greensboro, NC Greenville, NC Raleigh, NC Oregon Portland, OR Tennessee Clarksville, TN Memphis, TN Virginia Charlottesville, VA Chesapeake, VA Colonial Heights, VA Danville, VA Fredericksburg, VA Newport News, VA Richmond, VA Staunton, VA Virginia Beach, VA Washington |
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Credit is a useful tool and when handled responsibly allows us to obtain credit cards, loans for homes, cars and other big ticket items. The better we handle our credit, the better the terms that are offered to us from lenders including higher credit lines and lower interest rates.
If, however, a... |
The dismal economy is having an adverse effect on people around the globe with millions facing tremendous amounts of debt. For many, escaping their debt seems like a far off dream but it doesn't have to be! By applying a few simple guidelines to your spending habits, you can begin to reduce credit card... |