First Time Visitors
Credit card debt and mounting expenses can make you feel out of control. It's hard to know just what to do to fix the situation.
By working with our certified credit counselors, you'll learn more about your situation, budgeting, and how to get out of debt. We'll answer all of your questions, and even provide educational programs that will lead to a full understanding of your financial options.
Our credit counseling services are designed to help you take control of your finances and your financial goals. Whether you're buying a house, expecting a new addition to your family or simply want to be debt free, Pioneer Credit Counseling helps put those goals within reach.
If this is your first time contacting a credit counseling company, you may be wondering what to expect. We want you to be completely at ease with our counseling process.
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.
1. Start with an interview with one of our credit counselors.
When you call us, you'll speak with one of our certified credit counselors. They'll ask you questions about your finances and spending habits. Some of the topics they'll address are:
- Sources of income, wealth, debts and expenses and other information 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 best for you.
2. Your credit counselor will 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.
3. Your credit counselor will 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. Your credit counselor will help you choose an option that will best meet your needs and match your goals.
4. Our credit counselors will provide you with 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 the 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 of financial independence.
Reduce Your Debt Today!
Contact us today for honest debt help and credit counseling! Our professional, caring and certified credit counselors are standing by to help.
