 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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Background Other Business Names: Garden State Consumer Credit Counseling, Nova Debt, GSCCC FREEHOLD 225 Willowbrook Road Freehold, NJ 07728 WOODBRIDGE Woodbridge Hilton Suite 2017 120 Wood Avenue South Iselin, NJ 08830 ROCKVILLE CENTRE 265 Sunrise Highway 2nd Floor - Suite 24 Rockville Centre, NY 11570 MANLIUS 4624 Slippery Rock Manlius, NY 13104 DALLAS 17440 N. Dallas Parkway Suite 134 Dallas, TX 75287 RALEIGH 4917 Waters Edge Dr. / Suite 240 Raleigh, NC 27606 SAN DIEGO 2655 Camino del Rio North Suite 120 San Diego, CA 92108 Members of BBB: No Business Start Date: 1986 Number of Complaints to the BBB: 4 Summary of Business: Debt Consolidation,Debt Managementand Credit Counseling BBB Profile Trade Organization Memberships: Association of Independent Consumer Credit Counseling Agencies (AICCCA) Certifications: Bureau Veritas 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 it is. Do you offer pre-bankruptcy credit counseling? Yes, the organization offers both services. Are your counselors certified or accredited? If neither, how are they trained? The counselors are trained through the ASCCI (Association of SADC Chambers of Commerce and Industry). What trade organizations are you a member of? AICCCA Eligibility for Debt Management Plans Is there a minimum amount of debt to qualify? There is no minimum amount of debt required to enroll into a debt management plan. Do you deal with unsecured debt only? Yes, the debt must be unsecured. Do you require that all of my accounts are included in the program? This is encouraged but not required. Services How is the set up fee and monthly maintenance fee determined? What is the fee? There is no one time set up fee or monthly maintenance fee. The monthly administrative fees are determined by the client's debt amount. Are there any creditors that you do not work with? The representative who provided answers for Payingpaul.com was not aware of any creditors the organization could not 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 clients will receive statements from their creditors and from the organization once per month. The representative who provided answers for Payingpaul.com was not sure if the clients had online access to their statements. Do you have a refund policy for unsatisfied customers? If the organization makes a mistake handling the client's payment to their creditors they will refund the difference of that mistake. (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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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... |