Can anyone reccomend a good inexpensive or free credit counseling service in california?

Question

I have tens of thousands of dollars in debts a vehicle repo and a recent hospital bill for eight thousand as i have no health care. or perhaps someone could give me advice on filing bankruptcy please, no smart aleck answers please

Answer 1

I used American Financial Solutions, they are based out of Seattle but are awesome (I am in California and have been using them for about 3 years with no problems at all). Their number is 800-570-3462

Answer 2

I'll give you some free advice. First track all your expenses on excel (spreadsheets). Every time you pay for something, write it down in excel whether its rent, utilities, day care, gasoline, i dont care if its 25 cents of gum...track it! You need to see where all your money is going every month and since you have so much debt and a repo, i know you are not tracking it. Once you see where your money is going you will see how much you can afford to pay your creditors. Pay your credit cards first, collection accounts second and your hospital bills last (because hospitals are greedy sons of B****'es so they deserve to be paid last) Also because sometimes hospitals just "forget" about your debt and it goes away sometimes. (At least thats happened to me) But the biggest thing i can recommend is TRACK EVERYTHING! I know its a bit of a hassle, but you will get used to it.

Answer 3

Check here: http://www.nfcc.org/ Consumer Credit Counseling Service is a non-profit and offers free credit counseling. They also have a debt management program available, if you qualify. They can look at your finances and assist you in setting up a budget.

Answer 4

The best is Consumer Credit Counslers. They do not and will not take any monies with the exception of what is need for stamps and processing which is about 20 bucks a month I believe

Answer 5

maximum places in the country have a community psychological clinical enterprise the place you are able to desire to have the skill to get some clinical shield decrease costs. in case you have clinical well-being coverage, in maximum states the coverage will pay component to the charges. additionally, your agency could have an worker information software, which frequently provides for loose 3-to-8 sessions with a knowledgeable therapist. i know clinical care could be high priced. whether, comprehend that as quickly as a professional devotes their time to getting to know the thank you to be efficient and focusing on what's occurring for you, they need to be compensated. evaluate installation a value plan, being seen much less frequently, starting to be a member of group clinical care, attending a self-help group alongside with thoughts nameless, or finding into on line counseling, that could be low fee.