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.

LEGITIMATE CREDIT & DEBT COUNSELORS CAN OFFER:

• 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 - Iowa Credit Counseling Services

Mid Iowa Credit Counseling 1608 S Duff Avenue # 300 Ames, IA 50010-8062 Phone: (515) 279-4118

Credit Counseling And Debt Management Of Eastern Iowa, Inc, 4403 1st Avenue Se # 402 Cedar Rapids, IA 52402-3221 Phone: (319) 373-8297

Consumer Credit Counseling Service, 810 Locust Street Dubuque, IA 52001-6705 Phone: (563) 582-3885

Credit Counseling & Debt Mgmt, 4403 1st Avenue SE # 402 Cedar Rapids, IA 52402-3221 Phone: (319) 373-8297

Farm Credit Service of America, 2328 Millennium Drive Decorah, IA 52101 Phone: (563) 382-8413

Consumer Credit Counseling Service, 715 Douglas Street Sioux City, IA 51101-1021 Phone: (712) 252-5666

Credit Counseling, Davenport, IA 52803-3756 Phone: (563) 323-3739

Credit Management Systems, Inc, 453 Highway 1 W Iowa City, IA 52246-4205 Phone: (319) 341-0721

Debt Counseling Des Moines, IA 50309 Phone: (515) 288-0741

Consumer Credit of Des Moines, 6129 SW 63rd Street Des Moines, IA 50321-9602 Phone: (515) 287-6428

Consumer Credit Counseling Service, 30 W Main Street # 102 Marshalltown, IA 50158-4917 Phone: (641) 752-6161

Consumer Credit Counseling Services Of Northeasthern Iowa, 404 S Monroe Avenue Mason City, IA 50401-3829 Phone: (641) 421-7619

Consumer Credit Counseling Service, 102 N 4th Street Forest City, IA 50436-1654 Phone: (641) 421-7619

123 Credit & Debt Counseling Des Moines, IA 50309 Phone: (515) 288-0741

Consumer Credit Counseling Service, 1608 S Duff Avenue # 300 Ames, IA 50010-8062 Phone: (515) 296-1968

123 Credit & Debt Counseling, Waterloo, IA 50703-9101 Phone: (319) 235-3061

Consumer Credit Counseling Service Inc 6200 Aurora Avenue # 504W Urbandale, IA 50322-2864 Phone: (515) 225-2227

123 Credit & Debt Counseling Cedar Rapids, IA 52404 Phone: (319) 364-0782

Consumer Credit Counseling Services Of Northeastern Iowa, Inc 1003 W 4th Street Waterloo, IA 50702-2803 Phone: (319) 234-0661

Consumer Credit Counseling Service, 120 W Water Street Decorah, IA 52101-1806 Phone: (563) 382-1011

Consumer Credit Counseling Service 3445 Spring Street Davenport, IA 52807-2114 Phone: (563) 359-8830

Debt Consolidation Cedar Rapids, IA 52404 Phone: (319) 364-0782

A American Debt Consolidation Waterloo, IA 50701 Phone: (319) 234-2355

A American Debt Consolidation Ames, IA 50010 Phone: (515) 233-1702

Rac Credit Reparation 902 W Madison Street Knoxville, IA 50138-3037 Phone: (641) 780-4717

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