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CREDIT REPAIR and CREDIT HELP



When you need help.

Help is available when you need it. Some of the best ways to take charge of your life and to repair your credit are:

  • Self help
  • Credit repair and debt consolidation companies
  • Law firms who repair credit and who provide legal advice and services such as bankruptcy.


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If you are a disciplined person and you can follow instructions, then self help may be for you. (Perhaps your current financial crisis is no fault of your own-- an illness, a family emergency or an accident, for example.) An excellent way to structure a plan is with a self help book. See "The Credit Repair Kit," lower left hand column.

But if you believe that your credit problems are really a result of your own inattention or perhaps from your overextending on credit (right now it's time to be brutally honest with yourself) then you probably need a professional to set up a structured plan for you.

Using a professional has excellent advantages:

  • Peace of Mind. Knowing that you have a professional-- even your own attorney-- working for you can be the load off your shoulders that you've been seeking
  • Professionals are skilled at negotiating with creditors to lower the interest rates on your bills
  • Creditors are more likely to accept a debt restructure program from an established professional than from an individual creditor who's already missing payments
  • They can consolidate all your bills into one payment
  • Your creditors and the rude bill collectors will stop hounding you as the professionals screen them for you
  • Professionals can help you find self discipline and help you change your spending habits
  • A law firm can counsel you on other alternatives such as bankruptcy (but make choosing bankruptcy a last resort).




For more help in making your decision read these articles from the United States Federal Trade Commission about credit repair.

Credit Repair: Self Help May be Best

Advertisements Promising Debt Relief May be Offering Bankruptcy



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