What To Expect When You Call Pioneer Credit Counseling


If this is your first time contacting a credit counseling company, you may be wondering what to expect. At Pioneer Credit Counseling, we want you to be completely at ease with our counseling process. Take a look at the steps below.

Initial Interview With Credit Counselors

When you call us, you'll speak with one of our certified credit counselors. They'll interview you, asking you questions about your finances and spending habits. Some of the topics they'll address are:

  • Sources of income, wealth, debts and expenses, such as wages, savings accounts, stocks, credit card debt, mortgage and car payments, retirement accounts and student loans.
  • Budget and finance issues including employment, education, buying habits and substantial purchases.
  • Any past or future changes in income, wealth or debt such as illness or loss of employment.

This information will give your credit counselor a good understanding of your situation and will help them develop options that will work for you.

Counselors Develop Options For Becoming Debt Free

After they've talked with you about your financial situation, your credit counselor will develop and present several options based on the information you've given them. Depending on your individual needs, those options could include:

  • Creating a budget
  • Changing spending habits
  • Improving saving habits
  • Negotiating directly with creditors
  • Creating a custom payment plan
  • Establishing a debt management plan (DMP)
  • Filing for bankruptcy

Your credit counselor will go over these options with you, ensuring that you understand each option.

Counselors Explain The Advantages & Disadvantages

In addition to explaining your options for reducing debt, your credit counselor will discuss the advantages and disadvantages of each option based on your particular financial situation. Analyzing the information you've given them and considering your particular circumstances, your credit counselor will help you choose an option that will meet your needs and match your goals.

Counselors Provide Referrals If Needed

In addition to these basic credit counseling services, your credit counselor may refer you to support services in your community as appropriate to your needs. These support services can help you on your path to debt reduction and may include employment, training or psychological counselors. Pioneer Credit Counseling has established a trusted network of community resources to aid you in your journey to financial independence.

Reduce Your Debt Today With Pioneer Credit Counseling

For debt and credit counseling that will help you reach your goals, contact Pioneer Credit Counseling today! Our team of professional, courteous credit counselors are standing by to work with you in reducing your debt and achieving financial responsibility that will help you build a strong future! Call us today at 1-800-888-1596 and take control of your finances.

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