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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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| Wisconsin |
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Wisconsin consumers who have fallen in credit card debt have undoubtedly found themselves searching high and low for information about debt consolidation and consumer credit counseling services online. With most of the articles available just hyped sales literature from the companies who offer these services, far too many consumers have chosen debt management options that don’t make sense for their situation. Fortunately, PayingPaul.Com is here to give Wisconsin consumers the information they need to understand debt consolidation services and the companies who provide them. The two types of debt relief programs available today are credit counseling and debt settlement. Other than the underlying goal to help you get out of debt, these services share little else in common. Of the two, credit counseling is the more conservative option. These programs, which are usually offered by non-profits, involve working with creditors to obtain interest reductions, lower monthly payments, and waived late fees. Although the agencies who offer these services are non-profit, they do charge fees and it does not ensure that the plan will be affordable. Debt settlement is a much riskier approach. Also known as debt negotiation, consumers who enroll in these programs stop making payments to their creditors and instead save money into a savings account each month. Once sufficient funds have accumulated, the debt negotiation organization will negotiate a lump sum, discounted settlement for in many cases, substantially less than the principal amount owed. Many people are attracted to this option because it offers the opportunity to pay off your debt for less than what you owe. However, it does come with its downsides. For starters, one should know that not paying your creditors can have adverse on your credit and cause escalated collections activity, including potential litigation. Want to speak with a debt professional? Submit a form and let PayingPaul.Com help! Wisconsin Debt Management Laws Wisconsin is one of many states that offer protections for consumers who are considering using a debt management company. The law, which refers to credit counseling agenies as “adjustment service companies”, sets requirements for what a consolidation organization must do in order to be in operating in compliance, including the fact that they must be licensed. Definition Wisconsin law defines an “adjustment service company” as “a corporation, limited liability company, association, partnership or individual engaged as principal in the business of prorating the income of a debtor to the debtor's creditor or creditors, or of assuming the obligations of any debtor by purchasing the accounts the debtor may have with the debtor's several creditors, in return for which the principal receives a service charge or other consideration.” Fees Companies who fall under that definition are bound by the following fee limits: -$50 for a budget consultation, but only $25 if someone chooses to enroll in a debt management plan -The lesser of 10% of monthly payment or $120 in one given month -15% of the monthly payment disbursed to the debtors’ creditors as a fee paid by the creditor (Known as “Fair Share”) Adjustment Companies Law 6:10 Services DBA: Debt-Free America Abc Budget Service Inc 12745 W Capitol Dr #202 Brookfield, WI Alliance Credit Counseling Inc 13777 Ballantyne Corporate Pl #100 American Consumer Credit Counseling Inc American Credit Counselors Inc American Debt Counseling Inc Aurora Family Service Inc DBA: Consumer Credit Counseling Service of Greater Milwaukee 4915 S Howell Ave 3200 W Highland Blvd 4650 N Port Washington Rd Barnabas Buiness Center Milwaukee, WI 101 W Broadway Waukesha, WI 2600 N Mayfair Rd Ste 685 Wauwatosa, WI 22 South Wisconsin #4 Elkhorn, WI Black Hills Children's Ranch Inc DBA: Pioneer Credit Counseling Budget Counselors Inc 214 W Grand Ave Wisconsin Rapids, WI CareOne Services Inc DBA: CareOne Catholic Charities of the Diocese of Green Bay Inc DBA: Catholic Charities Budget Counseling 1825 Riverside Dr Green Bay, WI 214 E Summer St Appleton, WI 206 North 8th St Manitowoc, WI 844 Pierce Ave Ste 102 Marinette, WI 3710 East Ave La Crosse, WI 115 E Perry St Prairie du Chien, WI 1317 College Ct Ste 1 Steven Point, WI 101 W 29th Suite 103 Marshfield, WI 448 N Dewey St 401 5th St Ste 235 Wausau, WI Christian Credit One ClearPoint Financial Solutions Community Credit Counseling Consolidated Credit Counseling Services Consumer Credit Counseling of Atlanta Consumer Credit Counseling Service of Madison A Div of Family Service 128 E Olin Ave Ste 100 Madison, WI Consumer Credit Counseling Service of Maryland and Delaware Inc. Consumer Credit Counseling Service of San Francisco Consumer Credit Management Services Consumer Education Services Inc Consumers Alliance Processing Corporation Credit Advisors Foundation CreditGuard of America Inc Debt Counseling Corp Debt Reduction Services Inc. Family Credit Counseling Service Inc. DBA: Family Credit Management Services Family Financial Education Foundation Family Life Credit Services 1019 Cedar Street Grafton, WI Family Service Association of Sheboygan Inc DBA: Consumer Credit Counseling Service of Sheboygan, Lacrosse, West Bend, & Fond Du Lac 1930 North 8th Street Sheboygan, WI 139 North Main St Suite 101 West Bend, WI 131 S Main St Fond Du Lac, WI Family Service of Racine 420 Seventh St. Racine, WI 8600 Sheridan Road Room 175 E Kenosha, WI Family Services of Southern Wisconsin and Northern Illinois DBA: Consumer Credit Counseling of Beloit/Janesville 423 Bluff St Beloit, WI 205 Main St Janesville, WI FamilyMeans DBA: FamilyMeans Consumer Credit Counseling Service (CCCS) 2194 EastRidge Center Eau Claire, WI Financial Information & Service Center Inc DBA: CCCS of Northeastern Wisconsin 921 Midway Rd Menasha, WI 4335 Calumet St. Manitowoc, WI 30 N 18th Ave Bldg 1 Sturgeon Bay, WI 2814 S. Oneida St Green Bay, WI 1600 W 20th Avenue Oshkosh, WI 1301 Brosig Street Green Bay, WI 2561 Eighth Street South Wisconsin Rapids, WI 805 W Fulton Street Waupaca, WI Garden State Consumer Credit Counseling Inc DBA: Novadebt GreenPath Inc DBA: GreenPath Debt Solutions 802 West Broadway Suite 202 Madison, WI 4811 S 76th St Ste 317 Greenfield, WI Harbour Credit Counseling Services Inc. Help Ministries Incorporated DBA: Debt Free InCharge Debt Solutions Lighthouse Credit Foundation Inc Lutheran Social Service of Minnesota DBA: LSS Financial Counseling Service 2231 Catlin Ave 4th Floor Superior, WI 107 Metropolitan Financial Management Corp DBA: Auriton Solutions Money Management International Inc. 420 7th Street Racine, WI 8600 Sheridan Road Kenosha, WI North 83rd Debt Resolution LLCa> 2825 North Mayfair Rd Suite 204 Wauwatosa, WI Personal Budget Service Inc. 262 W Broadway Ste 2 Waukesha, WI Safeguard Credit Counseling Service Inc. Springboard Non-Profit Consumer Credit Management Inc Take Charge America Inc Town & Country Acceptance Corporation Town & Country Acceptance Corporation Trinity Credit Counseling Inc Follow this link for an up to date list of licensed companies:Li st of Licensed Companies Follow this link for the legislation dealing with fees debt companies can charge:Info about Fees Other Resources Filing Bankruptcy in Wisconsin Bankruptcy Laws in Wisconsin Debt Collection in Wisconsin |