Consumer Credit Counseling - New York
NewYorkDebtRelief.org
New York's Trusted Name in Debt Relief
See If You Qualify 1-866-202-5732
McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams
Privacy Verified
Security Seal
Need Affordable Credit Card Payments?
See how much lower your monthly credit card payment can be. It's fast and easy to see if you qualify....
  • $55,000 debt relief savings estimate 2 hours ago in South Boston, VA
  • $100,000 debt relief savings estimate 4 hours ago in Manassas, VA
  • $50,000 debt relief savings estimate 4 hours ago in Hopewell, VA
  • $32,500 debt relief savings estimate 6 hours ago in Hampton, VA
  • $45,000 debt relief savings estimate 6 hours ago in Pulaski, VA
  • $30,000 debt relief savings estimate 9 hours ago in Lynchburg, VA
  • $40,000 debt relief savings estimate 9 hours ago in Springfield, VA
  • $70,000 debt relief savings estimate 10 hours ago in Alexandria, VA
BBB A+ Rated
Powered by Envoy
Debt Relief – How It Works
Over the years one of the most common questions we get from people who come to our site is "How does it work?"
This video explains how the free debt relief savings estimate works, how debt relief programs work and if there is any cost.

Consumer Credit Counseling - New York

If finding a proven way to get relief from your debts is a serious concern, and you have been considering consumer credit counseling, you are in good company. Many consumers these days find that debts can sometimes add up quickly when finances are tight and one has to use credit cards to buy daily essentials like food and pay for utilities. Or, debts just accumulate over time, maybe as a result of too many impulse buys.

If you are also experiencing financial distress and are falling behind on your credit card debts, you may be interested in finding out how you can find relief by consolidating your debts through consumer credit counseling.

Typically, debt consolidation (also known as a debt management plan or a DMP) allows you to make one, consolidated and manageable payment to a credit counseling agency. The goal with debt consolidation is, with a more structured and more affordable repayment plan, you can ideally reduce your debts sooner than if you only continued to make the minimum payments at higher interest rates.

In addition, many consumers consider debt consolidation to be a popular alternative to bankruptcy, which is also a form of debt relief, but one that has a more damaging and longer lasting consequence on personal credit.

Find out if you qualify for savings with a free debt relief analysis and savings estimate by answering just a few, simple questions. Start here.

What Is Consumer Credit Counseling?

Debt consolidation through credit counseling, or DMP, is a proven and legal way for many consumers to get relief from credit card debts and other types of unsecured debts - such as medical bills, department store charges, or utilities. Before choosing a credit counseling service, it is wise to have a good understanding of how it works, and how it can potentially help you reduce the total amount of your credit card and unsecured debts.

Facilitated by credit counselors, debt consolidation generally begins with a thorough assessment of your financial situation - taking into account your income, outstanding financial obligations, and other assets (if any). Once credit counselors have a clear picture of your finances, they will typically develop a strategy to help you pay off your debts sooner than if you only continued to make the minimum payments at higher interest rates.

When they have a game plan in mind, they will generally submit proposals to credit card companies, on your behalf, requesting lower interest rates, and waiver of late fees and other penalties. Creditors that accept the proposals are added to the debt management plan. Credit counseling agencies, in turn, distribute those funds to creditors that are in the plan.

How Can You Potentially Benefit with Credit Counseling?

As mentioned earlier, the goal of debt consolidation through credit counseling is to provide you, the consumer, with a single, more structured, and more lenient repayment plan that can, ideally, help you direct more of your payment into paying off the principal on your credit cards versus just the interest. Aside from requesting proposals to your creditors, reputable credit counseling agencies may even provide you a due date (or the time funds are taken from your account) that takes into consideration when you get paid.

The bottom line is, credit counseling is a form of debt relief that allows many individuals a way to manage and reduce higher debts and payments without seriously damaging their credit history - the way that bankruptcy typically would.

That's why it makes sense to find out how much savings you can potentially get through credit counseling and find out how you can finally get your financial life back on track. Start by clicking here for a free debt relief analysis and savings estimate.

Saving thousands of dollars feels really good!
Know your debt relief options.
People helping people get the debt relief they need.

Creditors calling?

When you're falling behind with credit card debts and creditors are calling – it feels great to know that there's a debt program to lower your payments and get you out of debt much faster than you ever imagined.
Who we're helping right now...
$30,000 debt relief savings estimate
– Murfreesboro, TN

Unexpected bills

Credit card debts and unexpected medical bills can put you in a real bind. Fortunately, debt relief plans can reduce interest rates, lower monthly payments, and help you get out of debt faster.
Who we're helping right now...
$30,000 debt relief savings estimate
– Murfreesboro, TN

A brighter future

When you work hard to provide a bright future for your children, you don't want high interest credit card debts to get in the way. You need a proven path to become debt free as quickly as possible.
Who we're helping right now...
$10,000 debt relief savings estimate
– Orlando, FL

Debts piling up

When you own your own business, it's easy for credit card debts to become a problem – bills piling up, creditors calling, and you need a way out. The good news is, debt relief can help you save money each month and take control of credit card debts.
Who we're helping right now...
$90,000 debt relief savings estimate
– Long Beach, CA

Supporting a family

Credit card debts can add up quickly, especially when families run into unexpected expenses like medical bills, or loss of a job. The good news is there are credit card debt hardship programs that can help you.
Who we're helping right now...
$35,000 debt relief savings estimate
– Linthicum Heights, MD

Financial hardships

When you go through tough times and credit card debt start closing in on you – it feels good to know there are debt hardship assistance programs to help you get back on track.
Who we're helping right now...
$20,000 debt relief savings estimate
– St. Petersburg, FL

Retire debt free

When you're planning for retirement, paying monthly credit card minimums will get in the way of your dreams. The good news is, credit card companies may be willing to reduce your interest rates, waive late fees or even settle debts for much less than you owe.
Who we're helping right now...
$50,000 debt relief savings estimate
– Antlers, OK