 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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| MyStar Credit Counseling |
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Background Other Business Names: MyStar Financial Solutions Inc, MyStarHelp 7271 N. Shadeland Avenue Indianapolis, IN 46250 Members of BBB: Yes Business Start Date: 2007 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), Greater Indianapolis Chamber of Commerce Certifications: 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? No, Mystar Credit Counseling is a for-profit organization. Do you offer pre-bankruptcy credit counseling? No, the agency offers neither service. Are your counselors certified or accredited? If neither, how are they trained? The counselors are certified through the NACC (National Assoc. of Certified Counselers) and accredited through BSI. What trade organizations are you a member of? AADMO Eligibility for Debt Management Plans Is there a minimum amount of debt to qualify? No there is not. Do you deal with unsecured debt only? No, Mystar Credit Counseling works with all debts except for child support and any type of insurance. Do you require that all of my accounts are included in the program? This is suggested but not required. Services How is the set up fee and monthly maintenance fee determined? What is the fee? The fees are state regulated. There is a $50 one time set up fee, and a monthly maintenance fee no greater than $75 per month. The maintenance fee is again determined by the state in which the debtor resides. Are there any creditors that you do not work with? No, but it was acknowledged that Dell and American Express can be difficult to work with. How will I be kept appraised of whether you are making my payments on time? Are statements sent? Can I review my statements online? The agency as well as the creditors will send the client monthly statements. The clients do not have online access to their statements. Do you have a refund policy for unsatisfied customers? Refunds are handled on a case by case 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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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.
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