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 - Michigan Credit Counseling Services

Nonprofit Financial Counseling Inc, Credit Counseling Center 38505 Country Club Drive Farmington Hills, MI 48331-3457 Phone: (248) 553-5400

Greenpath, Inc, Consumer Credit Counseling 3051 Commerce Drive # 3 Fort Gratiot, MI 48059-3866 Phone: (810) 385-8562

Greenpath, Inc, Credit Counseling Centers 38545 Ford Road # 202 Westland, MI 48185-7901 Phone: (734) 326-4466

Greenpath, Inc, Credit Counseling Center 5700 Crooks Road # 202 Troy, MI 48098-2809 Phone: (248) 925-5989

Consumer Credit Counseling 7127 S Westnedge Avenue 5c Portage, MI 49002-4276 Phone: (269) 329-7153

Michigan Debt Settlement Suttons Bay, MI 49682 Phone: (231) 271-6617

Greenpath Debt Solutions, 612 S Creyts Road # C Lansing, MI 48917-8266 Phone: (517) 321-5836

Christian Credit Counselors, 24300 Southfield Road # 215 Southfield, MI 48075-2859 Phone: (248) 557-8811

Credit Counseling 215 S Main Street Rochester, MI 48307-2033 Phone: (248) 652-1517

Credit Counseling 2105 Maffett Street Muskegon, MI 49444-1110 Phone: (231) 722-1650

Credit Counseling 33179 Grand River Avenue Farmington, MI 48336-3121 Phone: (248) 474-6017

Credit Counseling Sterling Heights, MI 48310 Phone: (586) 446-9656

Michigan Collection Bureau, Michigan Collection Bureau Inc, Michigan Credit Services 110 N 3rd Avenue Alpena, MI 49707-2456 Phone: (989) 354-2156

Community Credit Counseling Sp 214 E Elm Avenue # 208 Monroe, MI 48162-2678 Phone: (734) 693-3943

Credit Counseling Center Inc 27780 Novi Road Novi, MI 48377-3401 Phone: (248) 348-4320

Community Credit Counseling 214 E Elm Avenue # 208 Monroe, MI 48162-2678 Phone: (734) 693-2333

Credit Counseling & Debt Mgmt Lansing, MI 48912 Phone: (517) 367-0441

Consumer Credit Counseling Service Stephenson, MI 49887 Phone: (906) 863-8456

Credit Counseling Center Inc 675 E Big Beaver Road Troy, MI 48083-1418 Phone: (248) 689-2440

Credit Counseling Service 38545 Ford Road Westland, MI 48185-7901 Phone: (734) 728-9039

American Debt Counseling, 27821 Ford Road Garden City, MI 48135-2926 Phone: (734) 522-7500

American Debt Counseling, 8033 E 10 Mile Road # 111 Center Line, MI 48015-1454 Phone: (586) 759-1900

Debt Consolidation & Counsel Lansing, MI 48912 Phone: (517) 367-0441

Christian Credit Counselors 42300 Southfield Road # 215 Southfield, MI 48075 Phone: (248) 680-1150

Vip Credit Restoration, 26049 Southfield Road Lathrup Village, MI 48076-4526 Phone: (248) 905-5190

Christian Credit Counselors 24300 Southfield Road Southfield, MI 48075-2820 Phone: (248) 557-7341

Land Management Credit Repair 17651 Michigan Avenue Dearborn, MI 48126-2731 Phone: (313) 438-3000

Universal Credit Service Inc, 5142 Patland Drive Kalamazoo, MI 49009-5405 Phone: (269) 344-3876

Affordable Credit Repair 8196 Honeytree Boulevard Canton, MI 48187-4109 Phone: (734) 259-0115

Fresh Start Credit Consultants 28783 Hoover Road Warren, MI 48093-4152 Phone: (586) 558-7484

Onyx Legal Credit Repair 10356 W Warren Avenue Dearborn, MI 48126-1663 Phone: (313) 228-5572

Redemption Credit Repair Inc 1319 N Saginaw Street Flint, MI 48503-1739 Phone: (810) 238-8520

Credit Consulting Service 8175 Creekside Drive Portage, MI 49024-5377 Phone: (269) 321-5025

Christian Credit Counselors 39111 6 Mile Road Livonia, MI 48152-3926 Phone: (734) 953-1300

Consumer Credit Restoration Bureau, 17200 W 10 Mile Road # 101 Southfield, MI 48075-2998 Phone: (248) 559-8900

Helping Hands Credit Solutions Saginaw, MI 48601 Phone: (989) 746-9460

United Credit Restoration 3549 Airport Road # 100 Waterford, MI 48329-1395 Phone: (248) 623-3390

American Credit Restoration 21411 Civic Center Drive # 305 Southfield, MI 48076-3951 Phone: (248) 799-9441

National Credit Repair 38777 6 Mile Road Livonia, MI 48152-2694 Phone: (734) 953-2738

Consumer Credit Restoration, 2743 E 14 Mile Road Sterling Heights, MI 48310-5962 Phone: (586) 978-8900

Sherrod Credit Repair Service 2711 E Jefferson Avenue Detroit, MI 48207-4105 Phone: (313) 742-2126

Motor City Credit Repair Inc 28411 Northwestern Highway Southfield, MI 48034-5544 Phone: (248) 208-9800

Back on Track Credit Repair, 8838 E 34 Road Cadillac, MI 49601-9580 Phone: (231) 846-2345

Back on Track Credit Repair 13818 S West Bay Shore Drive Traverse City, MI 49684-6204 Phone: (231) 944-1405

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