If you find yourself thinking, ‘I want to be debt free’ after doing your bills every month, but don’t know where to start, there’s free help available. A nonprofit credit counseling agency, such as Take Charge America, can work with you to make your dream of becoming debt free a reality.

Credit Counseling Is the First Step

During credit counseling, you’ll work one-on-one with a certified counselor to review your income, expenses and debts. Your counselor will compare how much you’re spending on things like housing and groceries to area averages and help you find ways to cut costs. You’ll receive a workable budget and action plan, tailored to your goal of becoming debt free.

Your Counselor Might Recommend Debt Management

One of the options that may be available to help you become debt free is a debt management plan. It’s a plan designed to help you pay off credit card debt in five years or less. Your credit counseling agency works with your creditors to get lower interest rates, so more of your payment can go toward the principal each month.

Debt Management Can Help in a Crisis

If you have reached the point where you have past-due accounts and creditors are calling, a debt management plan can put an end to those calls. Plus, it can bring an end to late & over-the-limit fees and put past-due accounts on a path to bring them current.

Debt Management Offers Peace of Mind

A debt management plan makes your life easier by allowing you to make one payment to your credit counseling agency per month, rather than trying to keep up with multiple creditor payments.

Becoming debt free is an attainable goal that can change your life and give you the freedom and peace of mind you dream of. Get started with credit counseling today.

Learn More About Getting Out of Credit Card Debt