Debt consolidating counseling
Call the local office of the Department of Housing and Urban Development or the housing authority in your state, city, or county for help in finding a legitimate housing counseling agency near you.If you’re struggling with significant credit card debt, and can’t work out a repayment plan with your creditors on your own, consider contacting a debt relief service like credit counseling or debt settlement.If you and your lender can’t work out a plan, contact a housing counseling agency.Some agencies limit their counseling services to homeowners with FHA mortgages, but many offer free help to any homeowner who’s having trouble making mortgage payments.
The goal is to make sure you can make ends meet on the basics: housing, food, health care, insurance, and education. Are you worried about losing your home or your car? Many people face a financial crisis at some point in their lives. Are your accounts being turned over to debt collectors?And they must honor a written request from you to stop further contact. Secured debts usually are tied to an asset, like your car for a car loan, or your house for a mortgage.If you stop making payments, lenders can repossess your car or foreclose on your house.