CREDIT COUNSELING

We're serious about helping people.

American Debt Counseling's team of certified credit counselors understands that people experiencing financial difficulties and hardships may have situations that are very different. That's why ADC offers consumers a more personal, helpful and considerate approach. When you contact ADC for your free initial consultation, you'll speak to a highly qualified credit counselor who will advise you as to your personal finance issues. At ADC, each client is assigned to a Case Manager, who works with that individual one-on-one, patiently explains the best credit counseling options available, and is there to capably answer all client questions and inquiries until their specific goals are met.

All ADC credit counselors are certified by the Center for Financial Certifications, a division of The Institute of Financial Literacy. Each credit counselor has received extensive training to expertly assist clients with budgeting, proper use of credit, and how to best evaluate available options including social service referrals and other debt repayment options.

An ADC credit counselor will help you review, analyze and evaluate:

• Your present financial situation and any hardships you may have.
• Your income and expenses. It is our goal to develop a workable budget and spending plan.
• All options available to you including social service referrals, financial education plan and other debt repayment options.

Speaking with your designated ADC credit counselor is a rewarding experience where you receive personalized, professional service. You will also learn that there are many different options available. ADC is here for you every step of the way. ADC is available to serve you Monday – Thursday from 8:30 a.m. – 5:30 p.m. EST and Friday from 8:30 a.m. – 5:00 p.m. EST. Make that all-important first call today!

When is it time to consult with a credit counselors?

Nearly everyone is faced with financial challenges at some point in their life. To find out if you need to get help with your debt now, keep track of how many of the following questions you answer with "yes."

• Do you make just the minimum payment on your credit card bills each month?
• Have you maxed out your credit limit on a credit card?
• Do you pay for everyday expenses with a credit card rather than cash?
• Do you have more than three credit cards in your wallet?
• Do you incur late and over-the-limit fees?
• Do you take cash advances on your credit card to pay other bills or credit cards?
• Do you tap into your savings to pay current bills?
• Do you worry about how much money you owe?

If you answer "yes" to any of the above, it's time to take the first step to getting out of debt.

ADC Provides Credit Counseling Resources

As part of our comprehensive credit counseling program, ADC offers financial education to consumers about the importance of personal money management. Clients gain valuable personal finance knowledge that enables them to make intelligent financial decisions that can play an important role in their futures.

To serve the community at large, ADC provides a vital resource titled Guide to Credit and Debt Management, with many examples of good and bad credit and debt management behavior. This informative publication offers a step-by step approach to understanding the basic terms and practices that lead to a debt-free lifestyle. Among the critical topics addressed are:

• How do you get credit?
• How do you manage credit?
• What is debt?
• Managing your debt
• Credit scores & credit reports
• Maintaining a debt-free lifestyle
• Repaying your debt

ADC also offers you the opportunity to take advantage of our library of educational courses designed to provide the information needed to gain financial freedom.

Educational courses include:

• Money Management
• Budgeting
• Saving for the Future
• Wise Use of Credit

By utilizing these educational courses, consumers will be able to make well informed decisions that manage finances effectively.