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 - North Carolina Credit Counseling Services

Family Services Inc, Consumer Credit Counseling 113 N Lafayette Street Shelby, NC 28150-4445 Phone: (704) 487-1278

Consumer Credit Counseling Service, 315 E Chapel Hill Street Durham, NC 27701-3317 Phone: (919) 688-338

Consumer Credit Counseling Service, 4850 Fayetteville Road # D Lumberton, NC 28358-2100 Phone: (910) 671-4502

United Family Services, Inc, 952 Copperfield Boulevard Ne Concord, NC 28025-2433 Phone: (704) 786-7918

Consumer Credit Counseling Service, 235 E Center Street Lexington, NC 27292-3343 Phone: (336) 243-8111

Family Service, 214 E Franklin Boulevard Gastonia, NC 28052-4106 Phone: (704) 864-7704

Family Service Of Highpoint Foundation, 1401 Long Street High Point, NC 27262-2541 Phone: (336) 889-6161

North Carolina Credit Conslnt 3011 Ingleside Drive # F High Point, NC 27265-1970 Phone: (336) 869-3124

Carolina Credit 5884 Faringdon Place Raleigh, NC 27609-3932 Phone: (919) 872-5350

Consumer Credit Counseling Service, 9601 Holly Point Drive Huntersville, NC 28078-4910 Phone: (704) 655-8745

Clearpoint Credit Counseling, 4030 Wake Forest Road # 300 Raleigh, NC 27609-6800 Phone: (919) 875-0900

Credit Counseling, Raleigh, NC 27609-2833 Phone: (919) 501-7752

First Credit Solutions Credit, 440 Westwood Shopping Center Fayetteville, NC 28314-1532 Phone: (910) 764-2284

First Credit Solutions Credit 1480 Garner Station Boulevard Raleigh, NC 27603-3600 Phone: (919) 772-8722

Credit Repair Huntersville, NC 28078 Phone: (704) 947-5434

Credit Repair Shelby, NC 28150 Phone: (704) 484-7993

Credit Repair Lenoir, NC 28645 Phone: (828) 758-8460

Consumer Credit Counseling Service 513 White Oak Street Asheboro, NC 27203-4770 Phone: (336) 633-1845

Consumer Credit Counseling Service Summerfield, NC 27358 Phone: (336) 643-3696

Consumer Credit Counseling Service Davidson, NC 28036 Phone: (704) 896-1343

Clearpoint Credit Counseling 6047 Tyvola Glen Circle Charlotte, NC 28217-6431 Phone: (704) 315-6670

Consumer Credit Counseling Service Laurinburg, NC 28352 Phone: (910) 266-0391

Consumer Credit Counseling Service Archdale, NC 27263 Phone: (336) 674-5683

Consumer Credit Counseling Service 371 NC Highway 65 Wentworth, NC 27375 Phone: (336) 342-8247

123 Credit & Debt Counseling, Cary, NC 27511-4153 Phone: (919) 467-8204

Consumer Credit Counseling Service, 17 US Highway 70 SE Hickory, NC 28602-5225 Phone: (828) 322-7161

Clearpoint Credit Counseling, 338 N Elm Street # 303 Greensboro, NC 27401-2146 Phone: (336) 790-2811

Consumer Credit Counseling Service, 601 E 5th Street # 400 Charlotte, NC 28202-3095 Phone: (704) 332-9034

Consumer Credit Counseling Service 245 College Street Jacksonville, NC 28540 Phone: (910) 989-8111

Consumer Credit Counseling Service Salisbury, NC 28144 Phone: (704) 797-4197

Consumer Credit Counseling Service Fuquay Varina, NC 27526 Phone: (919) 661-5360

Consumer Credit Counseling Service Wake Forest, NC 27587 Phone: (919) 266-7935

Consumer Credit Counseling Service Kings Mountain, NC 28086 Phone: (704) 739-3491

Alliance Credit Counseling, 13777 Ballantyne Corp Place # 100 Charlotte, NC 28277-3433 Phone: (704) 943-5233

Consumer Credit Counseling Service Newton, NC 28658 Phone: (828) 466-3504

Consumer Credit Counseling Service 1800 Skibo Road # 320 Fayetteville, NC 28303-3280 Phone: (910) 487-0056

Consumer Credit Counseling Service Graham, NC 27253 Phone: (336) 376-8277

Consumer Credit Counseling Service 401 Hillsborough Street Raleigh, NC 27603-1792 Phone: (919) 854-4882

Consumer Credit Counseling Service 525 NC Highway 65 Wentworth, NC 27375 Phone: (336) 342-8247

Consumer Credit Counseling Service 316 Green Street Fayetteville, NC 28301-5028 Phone: (910) 323-3192

Consumer Credit Counseling Service, 678 N Spence Avenue Goldsboro, NC 27534-4234 Phone: (919) 751-3868

Family Credit Counseling, 7516 E Independence Boulevard Charlotte, NC 28227-9475 Phone: (704) 532-2443

Consumer Credit Counseling Service 9624 Bailey Road # 290 Cornelius, NC 28031-6120 Phone: (704) 896-5853

Consumer Credit Counseling Service Mooresville, NC 28117 Phone: (704) 528-3365

Consumer Credit Counseling Service Chapel Hill, NC 27514 Phone: (919) 933-9781

Consumer Credit Counseling Service Maggie Valley, NC 28751 Phone: (828) 926-1114

Consumer Credit Counseling Service Apex, NC 27502 Phone: (919) 363-6787

Consumer Credit Counseling Service 327 N Queen Street # 107 Kinston, NC 28501-4985 Phone: (252) 522-8004

123 Credit & Debt Counseling, Burlington, NC 27215-6732 Phone: (336) 227-1246

Consumer Credit Counseling Service Asheville, NC 28801 Phone: (828) 252-7702

Consumer Credit Counseling Service 401 Hillsborough Street Raleigh, NC 27603-1792 Phone: (919) 821-1770

Consumer Credit Counseling Service 1201 Raleigh Road Chapel Hill, NC 27517-4047 Phone: (919) 933-4226

Consumer Credit Counseling Service 403 W Makepeace Street Sanford, NC 27330-5223 Phone: (919) 776-2101

Consumer Credit Counseling Service, Huff Associates Black Mountain Inc Black Mountain, NC 28711-3544 Phone: (828) 669-1530

123 Credit & Debt Counseling, Winston Salem, NC 27101-1237 Phone: (336) 722-1819

Consumer Credit Counseling Service 315 E Washington Street Greensboro, NC 27401-2911 Phone: (336) 373-8882

123 Credit & Debt Counseling Greensboro, NC 27401 Phone: (336) 274-1969

Consumer Credit Counseling Service Charlotte, NC 28204 Phone: (704) 375-0468

Consumer Credit Counseling Service Shelby, NC 28150 Phone: (704) 482-4507

Consumer Credit Counseling Service Rockingham, NC 28379 Phone: (910) 997-5631

123 Credit & Debt Counseling, Charlotte, NC 28203-5779 Phone: (704) 332-4284

Consumer Credit Counseling Service 50 S French Broad Avenue # 227 Asheville, NC 28801-3267 Phone: (828) 255-5166

Consumer Credit Counseling Service 153 N Main Street Mooresville, NC 28115-2525 Phone: (704) 663-1520

Consumer Credit Counseling Service Boone, NC 28607 Phone: (828) 266-1590

Consumer Credit Counseling Service, 720 E Union Street Morganton, NC 28655-2846 Phone: (828) 438-3880

Consumer Credit Counseling Service 214 E Franklin Boulevard Gastonia, NC 28052-4106 Phone: (704) 853-0242

Consumer Credit Counseling Service Matthews, NC 28105 Phone: (704) 563-4319

Consumer Credit Counseling Service 200 N Sharon Amity Road Charlotte, NC 28211-3005 Phone: (704) 332-4191

Consumer Credit Counseling Service Garner, NC 27529 Phone: (919) 773-8366

Consumer Credit Counseling Service Huntersville, NC 28078 Phone: (704) 947-9773

Consumer Credit Counseling Service 1303 Greensboro Street Extension Lexington, NC 27295-1924 Phone: (336) 243-8111

Consumer Credit Counseling Service 200 Ohio Street Spindale, NC 28160-1410 Phone: (828) 286-7062

Consumer Credit Counseling Service, 4850 Fayetteville Road # D Lumberton, NC 28358-2100 Phone: (910) 738-5508

Consumer Credit Counseling Service Wilmington, NC 28403 Phone: (910) 452-0863

Consumer Credit Counseling Service Lincolnton, NC 28092 Phone: (704) 735-9349

Consumer Credit Counseling Service Belmont, NC 28012 Phone: (704) 827-2979

Consumer Credit Counseling Service Holly Springs, NC 27540 Phone: (919) 362-4755

Consumer Credit Counseling Service Carrboro, NC 27510 Phone: (919) 918-7579

Consumer Credit Counseling Service Forest City, NC 28043 Phone: (828) 248-3466

Consumer Credit Counseling Service Burlington, NC 27215 Phone: (336) 222-0876

Consumer Credit Counseling Service Reidsville, NC 27320 Phone: (336) 349-4031

Consumer Credit Counseling Service MT Holly, NC 28120 Phone: (704) 827-5018

Consumer Credit Counseling Service, 8064 N Point Boulevard # 204 Winston Salem, NC 27106-3116 Phone: (336) 896-1191

Consumer Credit Counseling Service Mint Hill, NC 28227 Phone: (704) 545-1218

Consumer Credit Counseling Service 236 N Mebane Street # 130 Burlington, NC 27217-3947 Phone: (336) 226-4175

Consumer Credit Counseling Service 604 Lancaster Avenue Monroe, NC 28112-5902 Phone: (704) 226-1352

Consumer Credit Counseling Service Durham, NC 27703 Phone: (919) 845-3212

Consumer Credit Counseling Service 206 N 4th Street # 7 Wilmington, NC 28401-4028 Phone: (910) 762-9000

Second Chance Credit Counseling 5425 Talus Trace Lane Charlotte, NC 28215-4132 Phone: (704) 499-3021

Alliance Credit Counseling, Inc 13777 Ballantyne Corp Place Charlotte, NC 28277-3417 Phone: (704) 540-2477

Consumer Credit Counseling Service 206 E Main Street Lincolnton, NC 28092-3333 Phone: (704) 735-0908

A American Debt Consolidation North Charleston, SC 29406 Phone: (843) 572-5924

Consumer Credit Counseling Service 235 E Pennsylvania Avenue Southern Pines, NC 28387-5642 Phone: (910) 246-3288

Consumer Credit Counseling Service Hendersonville, NC 28792 Phone: (828) 694-1034

Consumer Credit Counseling Service 201 W Marion Street Shelby, NC 28150-5091 Phone: (704) 481-9419

Consumer Credit Counseling Service 245 College Road Smithfield, NC 27577 Phone: (919) 965-4437

Consumer Credit Counseling Service 1401 Long Street High Point, NC 27262-2541 Phone: (336) 889-6108

Consumer Credit Counseling Service Lenoir, NC 28645 Phone: (828) 757-9979

Consumer Credit Counseling Service Cary, NC 27511 Phone: (919) 462-1618

A American Debt Counseling Winston Salem, NC 27101 Phone: (336) 722-4872

A American Debt Counseling Burlington, NC 27215 Phone: (336) 227-2534

Hanna Credit Repair LLC 718 N Reilly Road Fayetteville, NC 28303-5619 Phone: (910) 864-5516

Credit Counselors Charlotte 202 E Woodlawn Road Charlotte, NC 28217-2213 Phone: (704) 525-2157

Consumer Credit of Forsyth 629 W 5th Street Winston Salem, NC 27101-2704 Phone: (336) 896-0481

Garden State Consumer Credit 4917 Waters Edge Drive Raleigh, NC 27606-2459 Phone: (919) 233-9044

Exodus Credit Repair P.O. Box 550422 Gastonia, NC 28055 Phone: 704-747-6041

Bsi Credit Solutions Raleigh, NC 27606 Phone: (919) 838-0090

Consumer Credit Conseling Statesville, NC 28625 Phone: (704) 832-2690

New Leaf Credit Counseling Inc 5540 Centerview Drive # 200 Raleigh, NC 27606-3386 Phone: (919) 719-1740

A American Debt Consolidation Morganton, NC 28655 Phone: (828) 433-6307

A American Debt Consolidation Lumberton, NC 28358 Phone: (910) 738-5106

Money Management Consumer Crdt 132 Mccullough Drive Charlotte, NC 28262-3307 Phone: (704) 688-3159

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