Budget And Credit Counseling

Let's turn this thing around

Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.

Get out of debt and back on track today.

If you're feeling overwhelmed by your finances, the first step toward regaining control can sometimes be the hardest. We understand that, because we've helped thousands of people just like you. And we're here to help you take your next steps with confidence and hope.

After your session, our support continues with free debt advice and online assistance in everything from how to pay down debt to strategies for successful credit management and how to read a credit report. As always, our reprentatives are here 24/7 to help you build a brighter financial future.

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Bankruptcy Debtor Education

The Pre-Discharge bankruptcy education class is available online.

• Online classes are accessible on this site 24/7. To get started click on “Start an online session” above.

Pre-Discharge Bankruptcy Education
Required by law, before your bankruptcy case can be discharged- which means debts included in the bankruptcy are no longer considered collectible- you must complete Pre-Discharge bankruptcy education. This course lasts two hours. Topics covered include:

• Setting realistic financial goals
• Understanding your credit report
• Obtaining or re-establishing credit
• Managing budgets
• And more

Again, this course is required and only available to individuals who have already filed for personal bankruptcy. To enroll in this class you must provide your case number.

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Bankruptcy Pre Filing Counseling

We are glad you chose CredAbility to begin your bankruptcy pre-filing counseling session. We are here to listen, answer your questions and provide the information you need. We strongly urge you to visit with an attorney to discuss the benefits, costs and consequences of filing for personal bankruptcy. And if you are not sure what you need, contact us—we will help you on the right path.

This counseling and the subsequent certificate can be received by telephone and online — in both English and Spanish. CredAbility’s counselors are available nationwide, 24/7.

To begin pre-filing bankruptcy counseling, call 800.251.2227 to schedule a telephone or in person appointment or click on the green "Start an online session" button above.

read more: Bankruptcy Pre Filing Counseling

Reputable Credit Counseling

At CredAbility, certified counselors help consumers determine whether they can tackle their financial challenges through budgeting and reduced spending, or if the structure of a debt management plan will be more effective.

The key to reclaiming your financial independence is recognizing the need for help and getting it. At CredAbility, certified counselors will help you evaluate your financial situation and find the solution that best suits you. For more information on Debt Management Plans or to talk with a certified counselor about your options for a debt free life, contact CredAbility at 800.251.2227 or online at www.CredAbility.org.

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Personal Debt Management

At CredAbility, certified counselors help consumers determine whether they can tackle their financial challenges through budgeting and reduced spending, or if the structure of a debt management plan will be more effective.

The repayment period varies based on amount owed and the repayment terms. The average debt management plan is structured to repay debt in 36-60 months.

What is a Debt Management Plan?
For a small monthly fee, consumers make a single payment to an agency like CredAbility, which acts as a trustee in distributing the funds to creditors. CredAbility works with both clients and creditors to design a debt repayment program that minimizes monthly payments, interest and related fees, providing a manageable tailored plan for the client. This enables the client to repay their entire debt obligation at more favorable terms, and on a plan that is within their ability to pay.

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Pay Credit Card Debt

Compass/CCCS has three offices in Greenville, Spartanburg and Greenwood.  Its CCCS program was started in 1971 and provides budget, credit, and pre-filing bankruptcy counseling, debtor education and debt management plans.

National Nonprofit Credit Counseling Organization Expands Offices in Southeast

ATLANTA, GA – CredAbility, one of the leading nonprofit credit counseling and education agencies in the United States, today announced an agreement to acquire the Consumer Credit Counseling Service (CCCS) program of Compass of Carolina, a multi-service nonprofit agency based in Greenville, South Carolina.  All other services of Compass of Carolina will remain with Compass.

The acquisition has been approved by the board of directors of both organizations.  It will become effective on November 1.

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Non Profit Credit Card Counseling

If you have any questions, a Certified Credit Counselor is available to assist you as you go through the process.

Just a reminder, completing the counseling session is free, is not a binding contract, and all information remains confidential.

Remember, we are here to help. Our counselors are available nationwide, 24/7-by telephone and online-in both English and Spanish. We’ve helped thousands of people, just like you, get through periods of financial crisis.

If you would prefer to complete your DMP session by phone, please call 800.251.2227 to schedule an appointment with a Budget & Credit counselor today.

For those clients living in the following states or territories: Indiana, Minnesota, North Dakota, Puerto Rico, or the Virgin Islands, we are able to provide Budget and Credit counseling – as well as our other counseling services, but are not able to offer a Debt Management Plan. We can, however, provide you with information on who in your state could provide a DMP.

read more at Non Profit Credit Card Counseling