Debt Management Counseling

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You see the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail, and maybe even calls offering credit repair services. They all make the same claims but how can you repair your credit without hiring an agency? The Federal Trade Commission created a webpage addressing various ways you can improve your credit yourself, please click the link below. English: Repairing Your Credit Yourself - English.
he FAQs have been separated into five major areas. Some issues may be cross-cutting. Debtors, applicants, and approved providers may find it helpful to review the questions in each area...
The Department of Justice's FAQs about Credit Counseling have been separated into six major areas. Consumers, applicants, and approved agencies may find it helpful to review the questions in each area.
The Federal Trade Commission has created guidance for consumers on whether debt relief or bankruptcy may be right for them. 
A common question is whether or not a debtor can keep a credit card after filing for bankruptcy protection and do I have to list the cards I want to keep. If you owe a balance at the time the bankruptcy petition is filed, you must list the debt. This applies regardless of the amount of the debt. If you are worried that you cannot live without a credit card there are a few options. A credit card with a zero balance does not need to be listed and can be used after you file the bankruptcy petition. If you have a card with a low balance, you should pay it off before filing for bankruptcy.

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