Consumer Debt Negotiation & Money Management

There are many Hawaii Credit Counseling Companies with different services and fee structures of not-for-profit and for-profit credit and debt counseling.

Hawaii Credit counseling firms will study the terms dictated by the creditors and explore ways to reduce payments and interest rates to consumers in a debt management plan.

Before entering into a contract agreement with a credit counseling service company, you should shop around and compare services offered by each financial institution and make an educated decision on which one could fit your needs and budget. Also, check with the Better Business Bureau before signing any contract with a CCCS company.


  • Consumer education about how to avoid incurring debts
  • Planned method of debt relief
  • Consolidation of multiple payments into one lower monthly payment
  • Debt Reduction of 10-50%
  • A chance to be debt free in periods of 3 to 6 years
  • Help to bring delinquent accounts current
  • A fresh start and a way to begin building a positive credit history
  • To minimize the impact of the negative marks on your credit scores
  • Help to correctly fill out forms to apply for debt restructuring arrangements or bankruptcy
  • Mediation between creditor and debtor
  • A Debt Management Plan
  • Ways to regain control over their financial situation
  • Smart negotiation with creditors to repay debt by working out a repayment plan
  • Reduced fees and interest rates
  • Fees and interest reduction

The new bankruptcy law of 2005 requires that consumers to go through credit counseling before filing for bankruptcy.

CONSUMER DEBT CONSOLIDATION - Hawaii Credit Counseling Services

Consumer Credit Counseling Service, 632 Kinoole Street Hilo, HI 96720-3828 Phone: (808) 969-7136

Consumer Credit Counseling Service, 95 Mahalani Street # 6 Wailuku, HI 96793-2521 Phone: (808) 242-8399

Extra Credit Honolulu, HI 96817 Phone: (808) 232-2733

Aloha Credit Counseling 1400 Kapiolani Boulevard # B36 Honolulu, HI 96814-3674 Phone: (808) 942-9030

Consumer Credit Counseling Service, 1164 Bishop Street # 1614 Honolulu, HI 96813-2816 Phone: (808) 532-3225

Big Island Credit Counseling 237 Chong Street # A Hilo, HI 96720-6744 Phone: (808) 935-4554

Consumer Credit & Free Debt Honolulu, HI 96819 Phone: (808) 845-5819

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