Why Credit Counseling Is The Right Solution For Your Particular Needs

of service. Some bodies may only provide their services to counsellors whom have had in class

As I began my search for a counseling agency, the first step was to look online and pull up a search for “counseling services around me” and “counseling Services in my Area” on google. Many of the places that came up were private practices and surrounding community mental health agencies. Initially I thought this would mean it would be easy to reach out to agencies as a client would but I found out otherwise. I was able

Counseling is a tool that is widely used by many people. Merriam Webster’s Learner’s Dictionary defines counseling as advice and support that is given to people to help them deal with problems, and make important decisions. This paper examines the career of a Licensed Professional Counselor, the education requirements, certification and licensure levels or requirements, salary, and the future of this profession.

One may decide to pay cash for everything but, there are reasons to focus on obtaining and keeping a good credit score. The first step toward understanding how credit affects ones’ life is to check the credit standing. One can get two of their credit scores for free on Credit.com. This completely free tool will break down the credit score into sections and give a grade for each. For example, how is the payment history, debt and other factors affecting your score, and get recommendations for steps that can be taken to improve ones’ credit. It is possible to get a free annual credit report from each of the major credit reporting agencies Equifax, Experian and TransUnion once every 12 months. This does not give the credit scores but, it does

As a counselor in training, I believe that counseling is a collaborative process between you and I. Counseling is a personal and safe process that deeply respects and honors each individual’s unique life experiences. Here are some aspects of counseling and therapy as I perceive and practive it: Therapeutic counseling

Genesis Counseling is for-profit, accepting Mastercard and Visa for payment. The agency accepts most major insurances, HMOs, and Employee Assistance Programs. They offer sliding scale services as well. As a larger agency, Genesis Counseling has in-house personnel who do the billing and are responsible for assisting counselors with

Explore the Frequently Asked Questions section to learn about credit reporting, credit improvement, information correction, identity theft, and other topics.

How to improve your bad credit over time, is by pulling your credit report. You can gain the knowledge needed to fix your problems. “Credit reports are available through one of the three major U.S. credit bureaus: Experian, Equifax and TransUnion. Because of a change of law in 2005, each of the credit bureaus must provide you with a free credit report once a year, through www.annualcreditreport.com (Woolsey, B., 2016).

The Counseling Center provides quality services and professional staff to assist students in developing meaningful educational, career and personal plans which are compatible with their life goals. Some areas in which counselors can be of

Making mistakes when it comes to your credit is a lesson that many people learn the hard way. Constant phone calls, mail, and threats can make a tough financial situation worse. Either how well or how poorly you manage your debts and finances are available to creditors to see when you apply for credit, such as for a retail store card, or even an auto or home

School counselors should provide organized services, including goal setting, career exploration, college admissions requirements, and financial aid, that will help students and their families make informed decisions. The counselor should guide students in making decisions about their post-secondary goals to be sure students are aware of and consider all of their options.

(Study.com) Financial aid advisors, also known as financial aid counselors or officers, help students and their families understand their financial aid options and guide them through the application process. They are responsible for reviewing and evaluating completed applications, budgets, disbursing awards, talk with private grantors, government agencies, lenders and banks, presentations about different financial aid options, repayment plans, expense planning, counseling and advising students about university departments and opportunities. A good financial aid counselor is constantly studying regulations and policy in order to be effective. Working as a financial aid counselor for over 10 years and seeing the change in rules, a person in that field must have continuous training in order to be accurate. The role allowed me to not only council students about their financial aid but also their parents. Parents would come in and apply for a parent plus loan and find out that they were denied and we would start them on

There are many definitions of counseling, but most share the same idea: it is when one person helps another. To me counseling represents one word more than any other: Change. One person is unhappy with some area of their life and wants it to change while the other person helps to facilitate that change. Just as there are many definitions of counseling there are many types of counseling with different philosophies.

When dealing with credit cards, it is important to understand the potential for serious financial problems should you make any poor judgement calls when using them. For more information on credit cards and how to avoid falling prey to debt issues surrounding them, you might consider scheduling a consultation with one of our professional debt counselors here at

Therefore, if you decide to hire a private company evaluate their credentials based on their expertise, experience and past performances. Unfortunately, the majority of third-party company’s primary focus is to prey on your ignorance and desperation. Let us take a cue from Navient, Great Lakes, Fed Loans, and Nelnet an outside third-party company contracted by the Department of Education to service accounts and collect money. Yes, you heard it right, “Service accounts and Collect money.” Sadly, millions of borrowers are being hoodwinked by the actual roles of these servicing companies, as they disguise to be more than what they are, all in a bid to exploit you. However, they're ‘nothing more than bill collectors. Moreover, The Consumer Financial Protection Bureau filed a lawsuit against Sallie Mae (Navient) alleging , among other allegations, Navient "systematically and illegally [failed] borrowers at every stage of repayment", which included creating obstacles to repayment by providing bad information, processing payments incorrectly, failing to act when borrowers complained and illegally cheating many struggling borrowers out of their rights to lower payments, causing them to overpay for their student loans and deceiving private student loan borrowers about requirements