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What's New
| A Review of Franklin Debt Relief in Chicago, Illinois |
| BBB members: It appears that Franklin Debt Relief was accredited by the BBB until the BBB instituted its policy of no longer allowing debt settlement companies to be members. This policy was created largely in response to the volume of complaints being lodged against certain companies in the debt settlement industry, not due to the actions of Franklin Debt Relief it appears since they have not had a complaint in over a year despite servicing more than a thousand consumers according to a recent press release. From PayingPaul.com’s research, Franklin Debt Relief seems to satisfy a very high rate of its clients. |
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| New York |
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New York residents, much like consumers in the rest of the country, have increasingly found themselves in need of quality debt consolidation services and consumer credit counseling help. Before using these services, not everyone fully explores the financial implications of using a debt management program, nor do they do the research necessary to determine whether the company they are working with is reputable. The mission of PayingPaul.Com is offer the debt assistance people need to make the best possible financial decision. First, let’s briefly clarify how the different types of debt consolidation work. Credit counseling, the original form of debt relief, involves learning about how to better manage your finances. If this alone will not help your situation, then you may want to consider a debt management plan, which involves getting credit card companies to lower your interest, as well as any late fees which may have been assessed on your account. The average interest rate in these programs is 9%, but there are monthly service fees, although many of these providers are non profit debt management agencies. Some other things to watch out for and consider: 1) debt management plans may have a negative effect on your credit report, and 2) there are many outfits who don’t have the consumers best interests in mind, whether they are non-profit or not. Before choosing this route, as well as your other debt consolidation options, it is imperative one does there research to determine whether this is an appropriate solution and if the company you are dealing with is reputable. The other popular type of service is debt settlement. Also known as debt negotiation, this program involves negotiating discounts on your overall debt. Creditors are willing to do this if they feel that accepting a lump sum of less than the balance owed will be more profitable to them trying to collect the full debt. Creditors usually come to this conclusion when a person is severely past due. Due to this fact, enrolling in this type of personal debt relief is risky and difficult. Not only will it affect your credit in all likelihood and cause you to experience creditor calls, but there is no guarantee that your creditors won’t pursue legal action before you have the opportunity to settle the debts. Do you want to speak with a professional? Submit a form and let PayingPaul.Com match you with one today! New York Debt Management Laws New York has certain safeguards in place to legally protect the interests of its residents from disreputable debt management companies, or “budget planners.” Under the law, “budget planners” must be licensed by the state in order to service New Yorkers. Definition New York law defines budget planning as “the making of a contract between a person or entity engaged in budget planning with a particular debtor whereby the debtor agrees to pay a sum or sums of money periodically and the person engaged in the budget planning distributes, or supervises, coordinates or controls the distribution of, the same among certain specified creditors in accordance with a plan agreed upon and the debtor further agrees to pay to such person or entity any valuable consideration for such services or for any other services rendered in connection therewith.” Fees Unlike many other states, however, there is not a cap on fees that a credit counselor can charge you, so price shopping is more important than in other states. Licensed Debt Agencies A New Horizon, Credit Counseling Services, Inc. 2950 West Cypress Creek Road Suite 201 Ft. Lauderdale, FL 33309 1701 Advantage Credit Counseling Service, Inc 2403 Sidney Street River Park Commons - Suite 400 Pittsburgh, PA 15203 2181 Alliance Credit Counseling, Inc. 13777 Ballantyne Corporate Place Suite 100 Charlotte, NC 28277 American Consumer Credit Counseling,Inc. 130 Rumford Avenue - Suite 202 Newton, MA 02466 1316 American Credit Alliance, Inc. 2 Penn Plaza - Suite 1910 New York, NY 10121 1994 Mail To : 2 South Delmorr Avenue Morrisville, PA 19057 American Credit Counselors, Inc. 23123 State Road 7, Suite 215 Boca Raton, FL 33428 5407 American Debt Counseling Inc. 14051 NW 14th Street Sunrise, FL 33323 2885 American Debt Resources Inc. 248C Larkfield Road East Northport, NY 11768 American Debt Solutions, Inc. 902 Clint Moore Road - Suite 104 Boca Raton, FL 33487 2864 Atlantic Credit Foundation, Inc. 3 Glen Hill Court Dix Hills, NY 11746 4819 AAA Fair Credit Foundation 230 West 200 South Suite 3104 Salt Lake City, UT 84101 3428 Best Credit Service, Inc. 2400 Crestwood Road - Suite 203 North Little Rock, AR 72116 7663 Mail To : P.O. Box 6719 Sherwood, AR 72124 6719 Budget-Right Debt Management, Inc 1307 South International Parkway Suite 1071 Lake Mary, FL 32746 1412 ClearPoint Financial Solutions, Inc. 8000 Franklin Farms Drive Richmond, VA 23229 5004 Community Credit Counseling Corp. 5 Professional Circle, Route 34 Colts Neck, NJ 07722 2428 Consolidated Credit Counseling Services, Inc. 5701 West Sunrise Blvd.- Suite 200 Fort Lauderdale, FL 33313 6269 Consumer Credit and Budget Counseling, Inc. 299 South Shore Road, U.S. Route 9 South Post Office Box 866 Marmora, NJ 08223 0866 Consumer Credit Counseling Service of Buffalo, Inc. 40 Gardenville Parkway - Suite 300 West Seneca, NY 14224 1387 Consumer Credit Counseling Service of Maryland and Delaware, Inc. 757 Frederick Road - 2nd Floor Baltimore, MD 21228 4503 Consumer Credit Counseling Service of Central New York, Inc. 500 South Salina Street Syracuse, NY 13202 3302 Consumer Credit Counseling Service of Rochester, Inc (New York) . 50 Chestnut Plaza, Suite 410 Rochester, NY 14604 2318 Consumer Credit Counseling Service of Greater Atlanta, Inc. 100 Edgewood Avenue - Suite 1800 Atlanta, GA 30303 3066 Consumer Credit Counseling Service of San Francisco 595 Market Street, Suite 1500 San Francisco, CA 94105 2824 Consumer Credit Management Services Inc. 315 NE 2nd Avenue Delray Beach, FL 33444 3801 Mail To : 315 NE 2nd Avenue Delray Beach, FL 33444 3801 Consumer Education Services, Inc. 3801 Lake Boone Trail - Suite 400 Raleigh, NC 27607 2972 Credit Advisors Foundation 1818 South 72nd Street Omaha, NE 68124 1704 Credit Advocate Counseling Corp. 237 First Avenue New York, NY 10003 2919 Mail To : 237 First Avenue, Suite 305 New York, NY 10003 2919 CreditCare Foundation, Inc. 2840 NW Boca Raton Blvd., Suite 202 Boca Raton, FL 33431 6634 Mail To : c/o Freedom Debt Management 941A Clint Moore Road Boca Raton, FL 33487 2802 CrediCure, Inc. 301 North Mildred Street Charles Town, WV 25414 1833 CB Budget Planning Corp. 3001 Expressway Drive North Islandia, NY 11749 5301 Mail To : 3001 Expressway Drive North, Suite 400 Islandia, NY 11749 5301 CREDITGUARD OF AMERICA, INC. 791 Park of Commerce Blvd. - Suite 500 Boca Raton, FL 33487 3633 Debt Counseling Corp. 3033 Expressway Drive North Hauppauge, NY 11749 5309 Debt Management Credit Counseling Corp. 700 W. Hillsboro Blvd. - Suite 105 Hillsboro Center, Building 1 Deerfield Beach, FL 33441 Debt Reduction Services, Inc. 6213 N. Cloverdale Road - Suite 100 Boise, ID 83713 2215 Debtscape, Inc. 7240 Parkway Drive - Suite 360 Hanover, MD 21076 1378 Elimidebt Management Systems, Inc. 1800 Pembrook Drive, Suite 290 Orlando, FL 32810 6379 Mail To : 1800 Pembrook Drive, Suite 290 Orlando, FL 32810 6379 Family Credit Counseling Service, Inc. DBA Family Credit Management Services 4306 Charles Street Rockford, IL 61108 6249 Family Financial Education Foundation 724 Front Street - Suite 340 P.O. Box 2125 Evanston, WY 82931 2125 Garden State Consumer Credit Counseling, Inc. U/A/N Novadebt 225 Willowbrook Road Freehold, NJ 07728 5921 Golden State Debt Management Corp. 23848 Hawthorne Boulevard, Suite #101 Torrance, CA 90505 5946 GreenPath, Inc. DBA GreenPath Debt Solutions 38505 Country Club Drive, Suite 210 Farmington Hills, MI 48331 3429 Mail To : 38505 Country Club Drive, Suite 210 Farmington Hills, MI 48331 3429 Harbour Credit Counseling Services, Inc. DBA A Safe Harbour Credit Management 101 N. Lynnhaven Road - Suite 300 Virginia Beach, VA 23452 7523 Help Ministries Incorporated DBA Debt Free 1148 W. Baseline Road Mesa, AZ 85210 5971 Intellidebt Corp. 10935 Estate Lane - Suite 180 Dallas, TX 75238 2389 Mail To : P.O.Box 860642 Plano, TX 75086 0642 InCharge Debt Solutions 2101 Park Center Drive - Suite 320 Orlando, FL 32835 7625 iPayDebt Financial Services, Inc. 9433 Bee Caves Road Building 3, Suite 101A Austin, TX 78733 6135 Money Management International, Inc. 9009 West Loop South, 7th Floor Houston, TX 77096 1719 National Foundation for Debt Management, Inc. 14100 58th Street North Clearwater, FL 33760 3758 North Seattle Community College Foundation 2815 2nd Avenue, Suite 280 Seattle, WA 98121 1272 SafeGuard Credit Counseling Services, Inc. 110-112 Parkway Drive South Hauppauge, NY 11788 2012 Springboard Non-Profit Consumer Credit Management, Inc. 4351 Latham St. Riverside, CA 92501 1749 Take Charge America, Inc. 20620 North 19th Avenue Phoenix, AZ 85027 3585 Trinity Credit Counseling, Inc. DBA Trinity Debt Management 11229 Reading Road Cincinnati, OH 45241 2222 United Financial Systems, Inc. 23123 State Road 7 - Suite 340 Boca Raton, FL 33428 5479 Visual Credit Counseling 1870 W. Prince Road #39 Tucson, AZ 85705 2961 To find a list of approved debt consolidation and consumer credit counseling agencies in the state, feel free to follow this link: http://www.banking.state.ny.us/sibudget.htm Other Resources Filing Bankruptcy in New York Bankruptcy Laws in New York Debt Collection in New York |