Housing Pre Purchase

This course will instruct you on how to determine your price range before shopping for a home, understand the additional costs to include when purchasing a home, and determine what your budget is for all your housing costs.

Bankruptcy 101: What Every Consumer Should Know

Learn what it is, how to spot the early warning signs and the differences between Chapter 7 and Chapter 13. Plus, find out how filing can affect your financial life and how to avoid bankruptcy.

Buying Insurance

Listen as our CredAbilityU experts discuss financial tips on how to unravel the mystery of buying insurance.

Buying a First Home

Listen as our CredAbilityU experts answer the question financial tips on is now the right time to buy a house?

Buying a First Home

Listen as our CredAbilityU experts answer the question financial tips on is now the right time to buy a house?

read more at Housing Pre Purchase

Free Debt Management Plan

Understanding Your Net Worth

Determining your net worth is as important as knowing how much you owe. This article will help you understand the value of your assets and your liabilities in dealing with financial challenges.

It's free. It's confidential. And all it takes is a couple of minutes. To get out of debt sooner than you think.

CredAbility has helped thousands of people get out of debt. Why should you be any different?

For those clients living in the following states or territories: Indiana, Minnesota, North Dakota, Puerto Rico, or the Virgin Islands, we are able to provide Budget and Credit counseling – as well as our other counseling services, but are not able to offer a Debt Management Plan. We can, however, provide you with information on who in your state could provide a DMP. If you would like referral information for your state, please click here.

How Does A Debt Management Plan Work?

The following video was produced under our former name of Consumer Credit Counseling Service.

read more at: Free Debt Management Plan

Non Profit Debt Management Companies

New Resources on CredAbilityU

Listen as our CredAbilityU experts discuss a variety of free resources that can assist you with your personal financial goals.

Consumers on CredAbility’s Debt Management Plans Repay Record Amount in 2010

National Nonprofit Credit Counseling Organization Says Consumers Paid Down $122 Million in Debt in 2010, Most Ever in 47 Years

ATLANTA, GA – Consumers are using Debt Management Plans more than ever to get back on their feet financially. CredAbility reports that in 2010, 27,818 consumers participated in its Debt Management Plans (DMP) and paid back more than $122 million to their creditors. The $122 million is a record for the 47-year-old nonprofit credit counseling organization, and a three percent increase from the $118 million paid back in 2009.

“Many consumers are deciding to take control of their financial lives by working with their creditors to pay down their debt, even if it takes 36 months or longer,” said Vicki Williams, vice president of Debt Management Plan Services for CredAbility. “They realize that this is a more responsible way to reduce debt and rebuild their credit compared to debt settlement or debt consolidation services offered by for-profit companies.”

read more at : Non Profit Debt Management Companies

Non Profit Debt Management Program

Play Your Way to Financial Freedom

Play Your Way To Financial Freedom teaches you how to use educational games to help your family change the way they think about money and credit cards. You will learn how to play the new Beat Debt board game and Paid Off card game (for in-person only; games sold separately).

National Nonprofit Credit Counseling Organization Says Consumers Paid Down $122 Million in Debt in 2010, Most Ever in 47 Years

ATLANTA, GA – Consumers are using Debt Management Plans more than ever to get back on their feet financially. CredAbility reports that in 2010, 27,818 consumers participated in its Debt Management Plans (DMP) and paid back more than $122 million to their creditors. The $122 million is a record for the 47-year-old nonprofit credit counseling organization, and a three percent increase from the $118 million paid back in 2009.

“Many consumers are deciding to take control of their financial lives by working with their creditors to pay down their debt, even if it takes 36 months or longer,” said Vicki Williams, vice president of Debt Management Plan Services for CredAbility. “They realize that this is a more responsible way to reduce debt and rebuild their credit compared to debt settlement or debt consolidation services offered by for-profit companies.”

read more at Non Profit Debt Management Program

Nonprofit Credit Counseling Service

Strategies for Improving Your Credit Score During or After Bankruptcy

The purpose of this course is to guide clients who have filed for bankruptcy and provide more information on how bankruptcy affects the following aspects of their life.

National Nonprofit Credit Counseling Organization Expands Offices in Southeast

Compass/CCCS has three offices in Greenville, Spartanburg and Greenwood.  Its CCCS program was started in 1971 and provides budget, credit, and pre-filing bankruptcy counseling, debtor education and debt management plans.

“This is exciting news for both organizations.” said Suzanne Boas, president of CredAbility. “We provide many of the same services and share the same values. Combining the Compass/CCCS program with CredAbility will enable us to serve additional clients in the southeast.”

“We are pleased that our CCCS program will join a national nonprofit credit counseling agency that can provide our clients with additional services,” said Thomas Bannister, president of Compass of Carolina. “The addition of CredAbility’s housing counseling services, its 24/7 convenience and its bilingual staff will benefit many residents of upstate South Carolina.”

read more at Nonprofit Credit Counseling Service

Best Debt Management Plan

Strategies For Managing Your Credit Report and Credit Score After or During Bankruptcy

If you've filed for bankruptcy, discover the effect it can have on your credit report, credit score and request for new credit. We will also explain how to manage your credit, and what to expect as a result of having filed for bankruptcy.

Together, we can build a clear plan to best fit your needs.

It can happen at anytime and it can happen to any of us: A job loss. A medical crisis. A natural disaster. Life in general. Any number of unexpected events could potentially lead to mounting debt-and even the most prepared individual is not immune.

Through our Debt Management Plans, (DMP), you could minimize interest rates and payments to creditors, pay down your debt, eliminate fees and put an end to collection calls.

Getting started on your DMP is easy and can be completed in 4 easy steps.

Step 1 –	Provide the basic personal information necessary for DMP enrollment
Step 2 –	Review your creditors and the benefits of your DMP
Step 3 –	Review your current financial situation
Step 4 –	Finally, we will take a look at your monthly cash flow

The total process will only take a few minutes. If you have any questions, a Certified Credit Counselor is available to assist you as you go through the process.

read more at Best Debt Management Plan

Bankruptcy Course

Understanding Your Credit Score

This article will give you a clear explanation of a credit score and how managing your finances will determine your costs to borrow money, plus valuable resources to help you learn more.

I can help you learn what you need.

Our debtor education course will prepare you for a new beginning.

Pre-Discharge Bankruptcy Education
Required by law, before your bankruptcy case can be discharged- which means debts included in the bankruptcy are no longer considered collectible- you must complete Pre-Discharge bankruptcy education. This course lasts two hours. Topics covered include:

• Setting realistic financial goals
• Understanding your credit report
• Obtaining or re-establishing credit
• Managing budgets
• And more

Again, this course is required and only available to individuals who have already filed for personal bankruptcy. To enroll in this class you must provide your case number.

The Pre-Discharge bankruptcy education class is available online.

read more at Bankruptcy Course