Consumer Debt Negotiation & Money Management

There are many Rhode Island Credit Counseling Companies with different services and fee structures of not-for-profit and for-profit credit and debt counseling.

Rhode Island Credit counseling firms will study the terms dictated by the creditors and explore ways to reduce payments and interest rates to consumers in a debt management plan.

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.


  • 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 - Rhode Island Credit Counseling Services

Credit Counseling Service Consumer 501 Centerville Road Warwick, RI 02886-4367 Phone: (401) 737-0048

Consumer Credit Counseling Service 40 Amaral Street Riverside, RI 02915-2205 Phone: (401) 438-8833

Consumer Credit Counseling Service 501 Centerville Road Warwick, RI 02886-4367 Phone: (401) 732-8357

Consumer Credit Counseling Service Providence, RI 02903 Phone: (401) 588-5160

Consumer Credit Counseling Service Newport, RI 02840 Phone: (401) 849-2227

Consumer Credit Counseling Service- Southern Ne 4 Richmond Square Providence, RI 02906-5117 Phone: (401) 521-0626

Diversified Credit Management 359 Broad Street Providence, RI 02907-2219 Phone: (401) 490-7842

Credit Consultants Of America 560 Post Road East Greenwich, RI 02818 Phone: (401) 234-0093

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