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 - Maryland Credit Counseling Services

Consumer Credit Counseling Service Of Maryland And Delaware, 757 Frederick Road # 200 Baltimore, MD 21228-4522 Phone: (410) 747-2050

Consumer Credit Counseling Service Of Maryland And Delaware,Inc 242 Tilghman Road Salisbury, MD 21804-1921 Phone: (800) 642-2227

Consumer Credit Counseling Service Of Maryland And Delaware,Inc 1201 Agora Drive Bel Air, MD 21014-6859 Phone: (410) 879-1893

Consumer Credit Counseling Service 132 Holiday Court Annapolis, MD 21401-7005 Phone: (410) 573-9090

Credit Counseling Baltimore, MD 21202 Phone: (410) 385-5855

Credit Counseling 19420 Germantown Road Germantown, MD 20874 Phone: (301) 528-8223

Credit Counseling Ellicott City, MD 21043 Phone: (410) 203-1344

Debt Counseling 19420 Germantown Road Germantown, MD 20874 Phone: (301) 528-8223

Debt Counseling Ellicott City, MD 21043 Phone: (410) 203-1344

Credit Counselors 14502 Greenview Drive # 520 Laurel, MD 20708-4218 Phone: (301) 459-8766

Credit Repair Owings Mills, MD 21117 Phone: (410) 363-3129

Credit Repair Dundalk, MD 21222 Phone: (410) 288-0146

Credit Repair Parkville, MD 21234 Phone: (410) 665-0120

Consumer Credit 14502 Greenview Drive Laurel, MD 20708-3287 Phone: (301) 362-2673

Consumer Credit Counseling Service, 14757 Main Street Upper Marlboro, MD 20772-3004 Phone: (301) 952-9204

Consumer Credit Counseling Service 15851 Crabbs Branch Way Rockville, MD 20855-2635 Phone: (301) 231-5833

Consumer Credit Counseling Service, 44 N Potomac Street Hagerstown, MD 21740-4855 Phone: (304) 416-8284

123 Credit & Debt Counseling Kensington, MD 20895 Phone: (301) 933-8976

123 Credit & Debt Counseling Frederick, MD 21701 Phone: (301) 663-9185

National Credit Counseling Service 7178 Columbia Gateway Drive Columbia, MD 21046-2581 Phone: (410) 997-0040

Consumer Credit Counseling Service 1003 W 7th Street # 404 Frederick, MD 21701-8532 Phone: (301) 695-0369

Consumer Credit Counseling Service, 750 Silver Spring Avenue Silver Spring, MD 20910-4661 Phone: (301) 587-7753

Consumer Credit Counseling Service 1635 S Ridgewood Avenue #105 Annapolis, MD 21401 Phone: (410) 626-1003

Consumer Credit Counseling Service 3050 Crain Highway # 301 Waldorf, MD 20601-2821 Phone: (301) 705-9880

Consumer Credit Counseling Service Baltimore, MD 21201 Phone: (410) 225-7200

Consumer Credit Counseling Service 14333 Laurel Bowie Road Laurel, MD 20708-1126 Phone: (301) 498-9400

123 Credit & Debt Counseling Rockville, MD 20850 Phone: (301) 251-2790

123 Credit & Debt Counseling Bethesda, MD 20814 Phone: (301) 986-4913

National Credit Counsel 612 B Lafayette Ave Laurel, MD 20707 Phone: 240-456-0912

Credit Counseling Centers 123 Elm Avenue Silver Spring, MD 20912 Phone: (301) 236-4103

National Foundation For Consumer Credit, Inc 801 Roeder Road # 900 Silver Spring, MD 20910-4458 Phone: (301) 589-5600

North American Credit Conslnts 18227 Flower Hill Way Gaithersburg, MD 20879-5334 Phone: (301) 208-2820

Consumer Credit Counslor Inc 920 W Washington Street Hagerstown, MD 21740-2800 Phone: (240) 420-5499

Abm Credit Repair Service, 15209 Marlboro Pike Upper Marlboro, MD 20772-3151 Phone: (301) 574-5500

Credit Solutions Plus Inc Windsor Mill, MD 21244 Phone: (410) 265-0680

Debt Solutions Credit Service 1015 Ritchie Road Capitol Heights, MD 20743-4908 Phone: (301) 808-8600

Brywes Credit Repair, 401 River Bend Road Fort Washington, MD 20744-5540 Phone: (301) 567-4645

Debt Management 19420 Germantown Road Germantown, MD 20874 Phone: (301) 528-8223

Debt Management Ellicott City, MD 21043 Phone: (410) 203-1344

United Credit Counseling Services Inc, 8775 Center Park Drive # M Columbia, MD 21045-2104 Phone: (410) 730-0200

Blr Credit Consultant Service 45719 Robinson Court Great Mills, MD 20634-2361 Phone: (301) 862-0407

Debt Solutions Credit Management Services 5938 Addison Road Capitol Heights, MD 20743-2144 Phone: (301) 336-9197

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