 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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| Pioneer Credit Counseling & Debt Consolidation |
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Background Other Business Names: PioneerCredit, Black Hills Childrens Ranch 1644 Concourse Drive Rapid City, SD 57703 Members of BBB: No Business Start Date: 1980 Number of Complaints to the BBB: 6 Summary of Business: Debt Consolidation,Debt Managementand Credit Counseling BBB Profile Trade Organization Memberships: AICCCA (Association of Independent Consumer Credit Counseling Agencies) 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 certified and accredited through the NFCC (National Foundation for Credit Counseling), the BV (Bureau Veritas), and the ICO. What trade organizations are you a member of? AICCCA Eligibility for Debt Management Plans Is there a minimum amount of debt to qualify? No, there is not a minimum amount of debt required to enroll into the debt management program. 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? It is suggested that the client enroll all of their accounts but not required. Services How is the set up fee and monthly maintenance fee determined? What is the fee? The fees are regulated by the state in which the debtor resides. The maximum set up and monthly maintenance fees are also established by the client's debt amount and budget. Are there any creditors that you do not work with? No there are not, however, if a Dell account is consolidated no concessions will be made on that account. 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 client will receive monthly statements from their creditors and Pioneer Credit Counseling and Debt Consolidation. In addition, clients 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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