Comments on: Credit counselling? http://debtreliefreviews.net/credit-counselling/ Sun, 11 Sep 2011 10:50:10 +0000 hourly 1 http://wordpress.org/?v=3.2.1 By: bdancer222 http://debtreliefreviews.net/credit-counselling/comment-page-1/#comment-1688 bdancer222 Mon, 18 Jan 2010 19:31:01 +0000 http://debtreliefreviews.net/credit-counselling/#comment-1688 The rules on bankruptcy have changed. Your boyfriend may not even qualify to file. Or he may be required to go Chapter 13 which is the payment plan route. Bankruptcy will stay on his credit report for 10 years. The credit counseling will only impact his score while going thru it. It is possible to buy a house a few years after a bankruptcy but you don't get the best rates and have to have a 2 year on time payment history. It really depends on how much debt he has. Going thru the credit counseling and learning to budget and pay bills would certainly be better to learn good financial management.. The rules on bankruptcy have changed. Your boyfriend may not even qualify to file. Or he may be required to go Chapter 13 which is the payment plan route.

Bankruptcy will stay on his credit report for 10 years. The credit counseling will only impact his score while going thru it.

It is possible to buy a house a few years after a bankruptcy but you don’t get the best rates and have to have a 2 year on time payment history.

It really depends on how much debt he has. Going thru the credit counseling and learning to budget and pay bills would certainly be better to learn good financial management..

]]> By: creporthelp http://debtreliefreviews.net/credit-counselling/comment-page-1/#comment-1687 creporthelp Fri, 15 Jan 2010 08:24:06 +0000 http://debtreliefreviews.net/credit-counselling/#comment-1687 I work directly with a non-profit credit counseling program. All of our Counselors, including myself are certified through NIFCE (National Institute For Financial Counseling and Education)...it is an incredible program. Also, we work with another company that offers Debt Settlement, Credit Education, and Credit Restoration programs. We have alternatives to Bankruptcy. If you would like more info, contact me. I would be glad to help. You can also visit my site: I work directly with a non-profit credit counseling program. All of our Counselors, including myself are certified through NIFCE (National Institute For Financial Counseling and Education)…it is an incredible program. Also, we work with another company that offers Debt Settlement, Credit Education, and Credit Restoration programs. We have alternatives to Bankruptcy.

If you would like more info, contact me. I would be glad to help. You can also visit my site:

]]> By: deblord2002 http://debtreliefreviews.net/credit-counselling/comment-page-1/#comment-1686 deblord2002 Tue, 12 Jan 2010 03:43:02 +0000 http://debtreliefreviews.net/credit-counselling/#comment-1686 I would work with the non profit credit counseling. Bankruptcy is a long ordeal and should only be used as a very last resort when even working with a ccc is not a reasonable idea. Usually when you have more than 4 creditors and owe thousands of dollars you know you will never be able to pay off. Bankruptcy effects you for 7 straight years and then still stays on your credit report after that. Buying a home, car or whatever will always be effected, most often in the negative, as will the credit score. We declared because of medical bills and our mortgage application was denied because it had only been 2 years since we declared. Sincere best wishes on getting back on track. I would work with the non profit credit counseling. Bankruptcy is a long ordeal and should only be used as a very last resort when even working with a ccc is not a reasonable idea. Usually when you have more than 4 creditors and owe thousands of dollars you know you will never be able to pay off. Bankruptcy effects you for 7 straight years and then still stays on your credit report after that. Buying a home, car or whatever will always be effected, most often in the negative, as will the credit score. We declared because of medical bills and our mortgage application was denied because it had only been 2 years since we declared. Sincere best wishes on getting back on track.

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