I was wondering, are their any honest loan institutions out there to be of any help for the disabled. Will you just get scammed and even deeper in financial crisis? Is negotiating credit card debt likely for you in your current situation?. A large number of credit card/personal loan site visitors are people with disabilities, often in dire financial circumstances.
If you’re a disabled person, is help with credit card debt available to you? Yes their does exist very good consumer credit counseling and solutions to credit card debt do exist, as long as you know where to look. Let’s begin by seeing what the Federal Trade Commission has to say on the matter.
To solve your financial problems, many credit counseling organizations are nonprofit and will work with you . But don’t be fooled, just because an organization says it is “nonprofit” doesn’t guarantee that its services are free or affordable, or that its services are legitimate. In fact, some credit counseling organizations charge high fees, some of which may be hidden, or urge consumers to make “voluntary” contributions that cause them to fall deeper into debt. Help for the disabled when it comes to finance.
One simple step or climb at a time will get you to the top of a tall mountain, but it’s not such easy work! And you don’t have to be a financial guru with a vast knowledge of debt collection laws. Just follow the straightforward rules and regulations laid out by the FTC, and start by asking potential consumer credit counselors these questions:
* Will I have a formal written agreement or contract with you? (Don’t sign anything without reading it first. Make sure all verbal promises are in writing.)
* Do you offer information? Are educational materials available for free? (Avoid organizations that charge for information.)
* What services do you offer? (Look for an organization that offers a range of services, including budget counseling, and savings and debt management classes. Avoid organizations that push a debt management plan (DMP) as your only option before they spend a significant amount of time analyzing your financial situation.)
* What are your fees? Are there set-up and/or monthly fees? (Get a specific price quote in writing.)
* In addition to helping me solve my immediate problem, will you help me develop a plan for avoiding problems in the future?
* What if I can’t afford to pay your fees or make contributions? (If an organization won’t help you because you can’t afford to pay, look elsewhere for help.)
* What are the qualifications of your consumer credit counselors? Are they accredited or certified by an outside organization? If so, by whom? If not, how are they trained? (Try to use an organization whose counselors are trained by a non-affiliated party.)
* What assurance do I have that information about me, including my address, phone number, and financial information, will be kept confidential and secure?
* Are you licensed to offer your services in my state?
* How are your employees compensated? Are they paid more if I sign up for certain services, if I pay a fee, or if I make a contribution to your organization? (If the answer is yes, consider it a red flag and go elsewhere for help.) If you owe creditors money, remember that you are protected in dealing with debt collectors by the federal law called the Fair Debt Collection Practices Act (FDCPA).
Does Money Grow On Trees? We all know that money doesn’t grow on trees. Strangely enough though, many of us act otherwise. Viable credit card debt solutions do indeed exist, but harvesting a money tree is not one of them! Be alert. Some effort is needed and even if it’s just a little, many people get discouraged and give up. don’t give in.
Get professional help with credit card debt by working with consumer credit counselors with a proven track record. It’s not hard to do. You can choose to look for credit card debt solutions entirely on your own and put in days, weeks, and even months of frustrating and unrewarding effort. And then you might even give up after having wasted all that time and energy, possibly ending up even deeper in debt. OR YOU CAN BE SMART and kiss your credit card debt problems goodbye once and for all.
You CAN get experienced, professional guidance by working with only one of the consumer credit counseling services that I recommend. Read on. You won’t be disappointed. I recommend only one, Debtsteps.com. They offer you the professional service that only a true professional can. Of all the consumer credit counselors out there — and there are plenty of fakes clamoring to get you in their clutches — the only recommendation I can safely make is to visit DebtSteps.com. Their name alone is comforting. When you say it aloud, the “steps” part of the name whispers volumes of soothing reassurance that they’ll be the ones with the credit card debt solutions that will REALLY help you.
I know this is a bit off track, but watch this video on Health Insurance reform for the Disabled:
Technorati Tags: aids for the disabled, Disability and Handicapped information, financial assistance for the disabled, Help for disabled