Jeff Sipes
8775 Sierra College Blvd Suite 350
Roseville, CA 95661
916-315-9190 ext. 101
Shapiro Hurst & Associates
13612 Midway Road, Suite 505 Dallas, TX 75244
972-996-6688
United Credit Education Service
Maria Pavano
386-220-4540
The U.S. Department of Housing and Urban Development certifies credit counseling agencies, which are close to qualifying as a credit card debt relief government program and can create a debt management plan for the debtor. The way credit counseling agencies work is that, after a free initial session, the debtor pays the agency a monthly fee. The agency then works out a reduced payment plan with the credit card company. In exchange, the credit card company will often agree to end any lawsuits or collection plans as long as the debtor is on the plan.
Another way in which a credit card debt relief government program can indirectly help you is through government debt consolidation loans. There are a variety of government debt consolidation loans available, depending on what type of debt you are in, whether it is student or mortgage.
FTC:
You’re entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies. Order online from annualcreditreport.com, the only authorized website for free credit reports, or call 1-877-322-8228. You will need to provide your name, address, social security number, and date of birth to verify your identity.
