Credit Card Counseling non Profit

Non Profit Credit Card Advice

Cards give you a thrill of financial security, especially if you are a first time user. Locate a reputable non-profit agency. You can have more influence with creditors, but if you enter into a debt management plan, you must close your credit card accounts.

The WikiLoan ink deals with the credit card consulting company.

WikiLoan (OTC.BB:WKLI), a financially driven community networking service, has entered into an arrangement with to enable WikiLoan members in difficulty to gain credit advice and debit control service support. The partnership with a not-for-profit organisation providing credit advice, credit risk mitigation, insolvency and home advice will provide WikiLoan members with immediate insight into the necessary resources they need to make sound and reasoned business choices.

"The WikiLoan was developed to make credit more effective and accessible in these challenging times. With the deteriorating economic situation and the stagnation of people's finances, we were forced to look for a strong associate with an exceptional record to help our members get their life back on track," said Marco Garibaldi, CEO of WikiLoan.

"We' re proud to be part of this credit counseling organization."

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Once a creditor shows up and you hardly make the minimal payment on your credit card, it may be worth looking for help. And the best place to begin is the National Foundation for Credit Counseling. Don't even see a consultant until you know exactly what the charges are.

As a rule, a consultant will meet with you to review your short-term and long-term objectives, as well as a rapid take-up of your revolving credit facility. When he/she proposes that you participate in a debit card scheme, you will be billed a charge that is separated from your invoice payment. On your account, the agent will deal with the lenders and will usually be able to lower interest rates, cut or remove delay and excess charge limits.

Then you make a transfer to the advice centre, which in turn pays all your debtors. Can it be negotiated with lenders without the help of credit advice? Actually, you should try to do this before seeking the help of a consultant. Really, there's nothing a helpline can do that you can't do alone.

You can have more influence with your lenders, but if you join a credit card debts planning scheme, you have to shut down your credit card book. Maybe if you negotiated alone, you could keep the bank account open. Do you have a particular schedule in the back of your head before you call?

Offer a settlement schedule that you can work with and ask the agent to lower your interest costs. Describe your current position and the measures you are willing to take to settle your debts. Explore how to minimise your interest rate exposure, along with delayed interest and excess fee over the limits.

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