Housing Pre Purchase

This course will instruct you on how to determine your price range before shopping for a home, understand the additional costs to include when purchasing a home, and determine what your budget is for all your housing costs.

Buying a First Home

Listen as our CredAbilityU experts answer the question financial tips on is now the right time to buy a house?

Buying Insurance

Listen as our CredAbilityU experts discuss financial tips on how to unravel the mystery of buying insurance.

Change Your Financial Fate

In this course, you will learn several methods to build a workable plan to pay-off your debts quickly. You will learn how to prioritize your debts and pay-off secured as well as unsecured debts. Also, we will show you how to effectively track your spending and pay-off your debt and live free of debt.

read more at Housing Pre Purchase

Bankruptcy Pre Filing Counseling

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.

Get started with your 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.

Bankruptcy 101: What Every Consumer Should Know
Learn what it is, how to spot the early warning signs and the differences between Chapter 7 and Chapter 13. Plus, find out how filing can affect your financial life and how to avoid bankruptcy.

Buying Insurance
Listen as our CredAbilityU experts discuss financial tips on how to unravel the mystery of buying insurance.

read more: Bankruptcy Pre Filing Counseling

Bankruptcy Debtor Education

I can help you learn what you need.

Our debtor education course will prepare you for a new beginning.

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

Common Options for Dealing with a Financial Crisis

During this critical time, it is important to remember that bankruptcy is not your only option. From enrolling in a DMP and negotiating to using assets for consolidation, you will examine several alternatives.

Conquering Credit Challenges

Each of us has a responsibility to manage spending. You will learn how to get the right reports from credit bureaus, interpret your credit report, understand the costs of using credit and work with your creditors.

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Budget And Credit Counseling

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.

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.

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.

Fair Credit Reporting

In this article, you will find out how to get free copies of your credit report, while ensuring its accuracy, privacy and your rights under federal law.

Fair Debt Collection

If you are behind on paying credit cards, personal loans or a home mortgage, this article will explain the laws governing debt collection, so you will know how to be treated fairly, honestly and legally.

Read more at Budget And Credit Counseling

Bankruptcy Counseling

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.

Get started with your 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.

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.

Fighting Back Scams Part I

Taken from our Fighting Back Senior Scams class, Avoiding Scams Part I will address how to recognize consumer fraud schemes, detect and prevent identity theft, and identify mortgage-related abuses.

Fully Covered

Understand the basic types of insurance and why it is important to have the right insurance coverage for your family.

read more at Bankruptcy Counseling

Debt Management Plan

Getting into debt can happen to anybody. It can start with a job loss, a medical crisis, a natural disaster or even life in general. No one is immune. But once your debt starts to mount, don't rely on just anybody to get you out of trouble.

Become debt-free sooner than you think.

Through our Debt Management Plans (DMP), you can pay off your credit cards, lower your interest rates, eliminate fees and put an end to collection calls - forever. Sound like a plan? Good, because our Certified Credit Counselors can help you get out of debt in four simple steps.

Importance of Saving

Listen as our CredAbilityU experts discuss the importance of saving and tips to keep you on track

Know the Score: Understanding and Improving Your Credit Score

We will explore the importance of a credit score and how it can affect your financial life. You will learn the five critical factors that determine your number, how to deal with errors and tips that may help you increase your score.

read more at Debt Management Plan

Free Debt Management Plan

It's free. It's confidential. And all it takes is a couple of minutes. To get out of debt sooner than you think.

CredAbility has helped thousands of people get out of debt. Why should you be any different?

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. If you would like referral information for your state, please click here.

How Does A Debt Management Plan Work?

The following video was produced under our former name of Consumer Credit Counseling Service.

read more at: Free Debt Management Plan