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 - Pennsylvania Credit Counseling Services

Money Management International, Inc, 3671 Crescent Court E Whitehall, PA 18052-3400 Phone: (610) 821-4010

Tabor Community Services, Inc,Consumer Credit Counseling Service 308 E King Street # 1 Lancaster, PA 17602-5013 Phone: (717) 397-5182

Consumer Credit & Debt Counseling, 113 Fair Oaks Court Newtown, PA 18940-2343 Phone: (215) 504-2045

Credit Counseling, 1 2 3 Auto Sales Inc Wilkes Barre, PA 18702-1004 Phone: (570) 829-5912

Credit Counseling York, PA 17402-9233 Phone: (717) 757-9071

Credit Counseling Easton, PA 18042 Phone: (610) 258-8279

Debt Counseling Wilkes Barre, PA 18702 Phone: (570) 829-5912

Debt Counseling Easton, PA 18042 Phone: (610) 258-8279

Credit Repair 3027 E Market Street York, PA 17402-2502 Phone: (717) 845-5827

Credit Rebuilders 6319 Rising Sun Avenue Philadelphia, PA 19111-5600 Phone: (215) 745-1144

Credit Repair Bensalem, PA 19020 Phone: (215) 639-2271

Credit Repair Morrisville, PA 19067 Phone: (215) 736-1109

Credit Repair Lansdale, PA 19446 Phone: (215) 393-4478

Consumer Credit Counseling Service, 411 Main Street # 104 Stroudsburg, PA 18360-2477 Phone: (570) 420-8980

Consumer Credit Counseling Service, 401 Laurel Street Pittston, PA 18640-3557 Phone: (570) 602-2227

123 Credit & Debt Counseling Reading, PA 19601 Phone: (610) 378-9217

123 Credit & Debt Counseling Allentown, PA 18104 Phone: (610) 439-1794

Consumer Credit Counseling Service Easton, PA 18042 Phone: (610) 253-3095

Credit Counseling Conslnts Inc 1528 Walnut Street # 1210 Philadelphia, PA 19102-3609 Phone: (215) 790-1448

123 Credit & Debt Counseling Lebanon, PA 17042 Phone: (717) 272-9729

Consumer Credit Counseling Service 541 Wyoming Avenue Scranton, PA 18509-3000 Phone: (570) 342-1072

Credit Counseling Center Inc 60 N Main Street Doylestown, PA 18901-3730 Phone: (215) 348-8003

Consumer Credit Counseling Service Philadelphia, PA 19115 Phone: (215) 969-1197

Consumer Credit Counseling Service 190 W Germantown Pike Norristown, PA 19401-1385 Phone: (610) 272-0578

1 2 3 Credit And Debt Counseling Service, Erie, PA 16501-2659 Phone: (814) 455-3173

Consumer Credit Counseling Service 7340 Jackson Street Philadelphia, PA 19136-4008 Phone: (267) 765-2767

Consumer Credit Counseling Service 308 E King Street Lancaster, PA 17602-5013 Phone: (717) 397-5182

Consumer Credit Counseling Service, 2403 Sidney Street # 400 Pittsburgh, PA 15203-2181 Phone: (412) 434-0546

Consumer Credit Counseling Service 833 N Park Road Wyomissing, PA 19610-1341 Phone: (610) 478-0237

123 Credit & Debt Counseling Pittsburgh, PA 15219 Phone: (412) 227-6423

Consumer Credit Counseling Service 37 W Broad Street Tamaqua, PA 18252-1904 Phone: (570) 668-2430

Consumer Credit Counseling Service 245 W Broad Street Quakertown, PA 18951-1242 Phone: (215) 538-1268

Credit Counseling Center Inc 832 2nd Street Pike # 2 Richboro, PA 18954-1098 Phone: (215) 396-1880

Credit & Debt Counseling Service Philadelphia, PA 19106 Phone: (215) 922-0411

American Credit Counseling 212 Berwick Hazleton Highway Nescopeck, PA 18635-1972 Phone: (570) 379-2179

American Credit Counseling 212 Berwick Hazleton Highway Nescopeck, PA 18635-1972 Phone: (570) 379-2179

Consumer Credit Counseling Service, 1515 Market Street Philadelphia, PA 19102-1921 Phone: (215) 563-5665

Consumer Credit & Debt Counsel 5115 E Trindle Road Mechanicsburg, PA 17050-3624 Phone: (717) 691-9860

Consumer Credit Counseling Service 129 Rolling Ridge Drive State College, PA 16801-7675 Phone: (814) 238-3669

Consumer Credit Counseling Service 734 Stambaugh Avenue Sharon, PA 16146-4131 Phone: (724) 983-5334

Consumer Credit Counseling Service 3671 Crescent Court E Whitehall, PA 18052-3400 Phone: (610) 821-4011

Aaa Credit Counseling Inc 624 Montgomery School Lane Wynnewood, PA 19096-1029 Phone: (610) 664-2219

Consumer Credit Counseling Service, 202 W Hamilton Avenue State College, PA 16801-5218 Phone: (814) 238-3668

123 Credit & Debt Counseling Wilkes Barre, PA 18702 Phone: (570) 829-5912

Lehigh Valley Credit Repair 1444 W Hamilton Street Allentown, PA 18102-4232 Phone: (610) 841-2206

Lehigh Valley Credit Repair 1444 W Hamilton Street Allentown, PA 18102-4232 Phone: (610) 841-2206

Consumer Credit Money Management, Allentown, PA 18102 Phone: (610) 821-7050

Keystone Credit Repair 1561 E Market Street York, PA 17403-1256 Phone: (717) 718-2226

Lehigh Valley Credit Repair 113 E Broad Street Bethlehem, PA 18018-6203 Phone: (610) 419-9877

Clear Credit Solutions Ltd 600 N 7th Street Bellwood, PA 16617-1514 Phone: (814) 742-7402

Fresh Start Credit Repair 2700 Grant Avenue Philadelphia, PA 19114-2309 Phone: (215) 464-1004

Philadelphia Credit Repair Inc 2401 E Tioga Street Philadelphia, PA 19134-4625 Phone: (215) 535-3322

City Wide Credit Restoration 2043 W Oregon Avenue Philadelphia, PA 19145-4224 Phone: (215) 463-3190

Global Credit Consulting, 1120 Easton Road Willow Grove, PA 19090-1929 Phone: (215) 658-0200

Credit Report Advocates 8513 Frankford Avenue Philadelphia, PA 19136-2421 Phone: (215) 333-5500

Pinnacle Credit Restoration 707 Moore Industrial Park Prospect Park, PA 19076-1217 Phone: (484) 494-4711

Credit Counseling Center-America Harrisburg, PA 17101 Phone: (717) 232-1777

Pro Active Credit Repair Inc 238 E Pitt Street Canonsburg, PA 15317-1705 Phone: (724) 745-7310

A American Debt Consolidation Easton, PA 18042 Phone: (610) 258-2267

A American Debt Consolidation West Chester, PA 19380 Phone: (610) 696-3488

Money Management Inc 6221 Hilltop Drive Brookhaven, PA 19015-1319 Phone: (484) 361-6505

A American Debt Consolidation Lansdale, PA 19446 Phone: (215) 393-4478

A American Debt Consolidation Mechanicsburg, PA 17055 Phone: (717) 766-3391

A American Debt Consolidation Altoona, PA 16602 Phone: (814) 944-3224

A American Debt Consolidation 210 Pine Street Harrisburg, PA 17101-1322 Phone: (717) 233-4371

Advantage Credit Counselling Service Inc 2403 Sidney Street # 400 Pittsburgh, PA 15203-2181 Phone: (412) 390-1300

A American Debt Consolidation Bethlehem, PA 18018 Phone: (610) 691-1128

Advantage Credit Counselling Service Inc 90 E Chestnut Street Washington, PA 15301-6706 Phone: (412) 390-1300

Advantage Credit Counselling Service Inc, 4402 Peach Street Erie, PA 16509-1358 Phone: (412) 390-1300

Advantage Credit Counselling Service Inc, 112 Hollywood Drive Butler, PA 16001-5691 Phone: (412) 390-1300

Advantage Credit Counselling Service Inc, 100 N 3rd Street Easton, PA 18042-1869 Phone: (610) 253-1663

Credit Counseling Center-America, Pittsburgh, PA 15219 Phone: (412) 232-3311

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