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Holland, MI

If you can meet with your credit counselor in person, we recommend doing so. Finding a local agency can give you the added advantage of allowing your credit counselor to examine your bills, thereby working with you directly on budgeting and finding financial solutions.

Your Michigan certified credit counselor will review your financial situation and will want to get an idea of what your expectations are. They are trained to help you regain short-term economic stability while working toward long-term financial strength.

Specifically what your credit counselor is trained to do is to help you evaluate options that you have for improving your personal financial situation. If they can help you develop a self-guided plan, they will show you what actions you can take to rebuild your credit and manage your debt. They can help you with advanced strategies for managing and eliminating credit card debt.

If you need more structured assistance, a debt management plan might be suggested. Your credit counselor can often help you reduce your payments so that you can establish a consistent payment history. Even with a lower payment, your credit card balances still drop faster due to the lower interest that your creditors frequently agree to. Often times, you may see a payment to one individual creditor drop by $20, yet have 10 times the amount going toward the principal balance. By reducing those finance charges and eliminating unnecessary fees, you can be well on your way toward accelerated debt repayment.

A debt management plan is not necessary for all situations. Your credit counselor can evaluate your needs and will notify you if you appear to be eligible for a debt management plan. If you are experiencing financial difficulties, contact a credit counselor today so that you can get help before your options become limited. The longer you wait, the worse your situation can become, and the fewer options you may have. Call a reputable agency and make the decision to eliminate your credit card debt today.

Most cities in Michigan have credit counseling agencies that can serve you locally. Each is able to discuss possible solutions to your financial problems. These can include consolidating your credit card payments through a debt management plan, or simply giving you a plan of action that you can take on your own. Michigan provides greater protection to its citizens than other states by imposing tight restrictions on debt management and credit counseling organizations that operate in Michigan. Each counselor must pass an additional examination administered through the Michigan Office of Financial and Insurance Services. Many of the companies that have a national presence are not licensed in Michigan. Instead, you will want to limit your search to those agencies that are licensed in Michigan. A partial list of agencies is provided on this page.