Credit Counseling Services

When you call CreditGUARD of America, Inc., our certified credit counselors will review your unsecured debt, such as credit cards, medical bills and personal loans, and secured debt, such as mortgages and car loans, as well as household expenses and personal income. Based on your financial circumstances, our certified credit counselors will recommend one of the following types of consumer credit counseling services:

Personal Budgeting

Sometimes you can resolve a debt problem by managing your money more effectively. Personal Budgeting could be the answer to your debt problems. Learn ways to identify overspending and how to create a personal budget.

Debt Management Program

A Debt Management Program is a consumer credit counseling service helping individuals consolidate unsecured debt into one easy payment so that they can get out of debt in 4 to 5 years. In addition to lowering monthly payments, many creditors will reduce or eliminate interest and stop charging late fees. Most importantly, past due accounts will be reaged, that is, shown as current..