 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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| Family Life Credit Services |
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Background 2345 Meadowridge Pkwy West Fargo, ND 58078 Other Business Names: FamilyLifeCredit Members of BBB: Yes Business Start Date: 1986 Number of Complaints to the BBB: 0 Summary of Business: Debt Consolidation,Debt Managementand Credit Counseling BBB Profile Trade Organization Memberships: AADMO (American Association of Debt Management Organizations) Certifications: National Association of Certified Credit Counselors (NACCC), Council on Accreditiation (COA) 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 debt organization? Yes, Family Life Credit Services is a non-profit organization. Do you offer pre-bankruptcy credit counseling? Yes, the organization offers both pre and post bankruptcy credit counseling services and their individual credit counselors are certified for both. Are your counselors certified or accredited? If neither, how are they trained? The credit counselors are certified and accredited through the NACCC and the Council on Accreditation. What trade organizations are you a member of? Family Life Credit Services is a member of the National Foundation of Credit Counseling (NFCC), the Association of Independent Consumer Credit Counseling Agencies (AICCCA), and the American Association of Debt Management Organziations (AADMO). Eligibility for Debt Management Plans Is there a minimum amount of debt to qualify? No, there is no minimum amount of debt an individual must have to qualify for the debt management plan. Do you deal with unsecured debt only? Yes, the organization can only assist with unsecured debt. Do you require that all of my accounts are included in the program? Yes, the organization requires their clients to enroll all of their accounts into the debt management plan. Services How is the set up fee and monthly maintenance fee determined? What is the fee? The fees are solely dictated by the state that the client lives in. The representative who provided answers for Payingpaul.com did not provide a range or mention a maximum fee that could be charged. Are there any creditors that you do not work with? No, Family Life Credit Services works with all creditors. However, it was recognized by the representative who provided answers for Payingpaul.com that some creditors are more difficult to work with than others. How will I be kept appraised of whether you are making my payments on time? Are statements sent? Can I review my statements online? Both the organization and the client's creditors will send monthly statements to keep the clients while they are enrolled in their debt management plan. Do you have a refund policy for unsatisfied customers? There is not a defined refund policy, rather, each case is reviewed on an individual basis. (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! |
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