For more than 15 years, A+ Credit and Debt Help Center has been educating consumers on financial management and assisting them in taking control of their financial future.

When you call A+., our certified credit counselors will review your unsecured

debt (such as credit cards, medical bills and personal loans) and secured debt (such as mortgages and car loans) as well as household expenses and personal income.

Our counselors understand credit problems and can help you with a plan that best fits you. Based on your financial circumstances, our certified credit counselors will recommend one of the following types of consumer credit counseling services:

CREDIT COUNSELING OFFERS:

A  Debt  Management  Program: is a consumer credit counseling service helping individuals consolidate unsecured debt into one easy payment so that they can get out of debt in 3 to 5 years. In addition to lowering monthly payments, many creditors will reduce or eliminate interest and stop charging late fees and over the limit fees. Most importantly, past due accounts will be reaged, that is, shown as current.

Bill  Pay: should you have additional funds we can arrange a settlement with your creditors to get the accounts paid and get that information reported to all three of the national reporting bureaus.

Bankruptcy: should only be attempted after exhausting all other debt solutions, because bankruptcy will remain on your credit history for ten years. Our credit counseling service will examine all your credit options to help you decide if filing bankruptcy is the correct decision for you.