 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... |
|
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.... |
A more complete debt settlement calculator
| A Safe Harbour Credit Management |
|
Background PO Box 9228 Virginia Beach, VA 23450 Other Business Names: A Safe Harbor Credit Management, 40Debts, Harbour Credit Counseling Services Summary of Business: Credit Counseling, Debt Management, Debt Consolidation Number of BBB Complaints as of 7/17/08: 22 Members of BBB: Yes BBB Profile Business Start Date: December 1995 Number of Employees: 50 Trade Organization Memberships: AADMO (American Association of Debt Management Organizations), Consumer Federation of America, Certifications: BSI (British Standards Institute), NIFE (National Institute for Financial Education) 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 organization? Yes Do you offer pre-bankruptcy credit counseling? No Are your counselors certified or accredited? If neither, how are they trained? Yes, counselors are certified by the National Institute for Financial Education What trade organizations are you a member of? AADMO, NIFE, Consumer Federation of America, NACCC Eligibility Is there a minimum amount of debt to qualify? $2,000 Do you deal with unsecured debt only? Yes Do you require that all of my accounts are included in the program? No, however, a creditor may require all accounts to be included (Bank of America) Services How is the set up fee and monthly maintenance fee determined? what is the fee? The fee is based on state regulations as well as the amount of debt enrolled Are there any creditors that you do not work with? Dell and Credit One do not work with Safe Harbour Credit Management How will I be kept appraised of whether you are making my payments on time? Are statements sent? Can I review my statements online? Each client receives a monthly statement indicating accounts paid, the date, and amount paid to each. You will also be introduced to your personal Account Advisor, a trained creditor expert, who will supervise your accounts and alert you of any changes in creditor policies. Do you have a refund policy for unsatisfied customers? Unless the funds have not been sent to the creditors yet, Safe Harbour does not have much say in the matter. The decision to refund if the funds have been sent out would be up to the creditors. (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! |
Featured Articles
|
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.
If, however, a... |
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... |