How It Works

Credit Counselling Services

Out-of-control debt and other financial worries are stressful! These things damage our life and the lives of people around us. Financial worries can affect mental health, cause trouble in relationships and complicated minor life events. Your life does not have to be like that! At Credit Counselling Services we will work hard to make things better for you financially.

Our professionally trained credit counselors provide services to all USA residents. Our credit counsellors will help deal with your financial concerns and help you find opportunities for positive change.

Our Company will make sure you are well prepared to receive lower interest bearing instruments.

Our Credit Counselling Services Include:


  • individual and household budgeting.
  • Debt repayment programs.
  • Alternatives to Bankruptcy/ Consumer Proposals.
  • Communicating with creditors.
  • Community education.

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CREDIT COUNSELLING SERVICE - FREE!

A credit counselor will help you identify specific issues which may be at the heart of your financial woes, and we’ll look together at different solution options.

Through our credit counselling service, a credit counselor will spend time helping you discover solutions to your financial concerns. This means developing a budget to help you learn exactly what’s involved in tracking and controlling spending.

A credit counselor will also help you identify specific issues which may be at the heart of your financial woes, and we’ll look for solutions.

Our credit counselling service is private and no creditor or credit reporting organization will be aware that you have talked with us unless you specifically give us permission to communicate with them. Credit counselling is one of the best ways to help you get control of your debts, and help you get back on track.

TALKING WITH CREDITORS - PAID!

You’re faced with decisions. You may want to repay your debt but may not be able. With your counsellors help you will be able to deal effectively with creditors.

Communicating and dealing with creditors opens the door and helps them understand your situation. This often includes speaking or writing on your behalf. This may be intimidating for you, but it is necessary and we can help.

Let’s face it, nobody plans to be in financial trouble, but circumstances change and when they do, you need to act promptly and keep your creditors informed. Once they are aware of what’s happening, obtaining their cooperation is often easier.

You’re faced with decisions. You may want to repay your debt but may not be able. With your counsellors help you will be able to deal effectively with creditors.

DEBT REPAYMENT PROGRAM - PAID!

This is the service our clients find most helpful. You will have a session with one of our professionally trained counsellors who will complete a total assessment of all your finances. Based on the outcome, he or she also develops an alternate repayment program for your creditors to consider. Generally speaking, 97% of these proposals are accepted and you will have a single, affordable, monthly payment. Simply put, you deposit to CCSNL monthly and we distribute the funds. The real savings is the significantly reduced interest rates that your counsellor will have negotiated.

What included in a Debt Repayment Program?

  • Credit Card Debt.
  • Lines of Credit.
  • Furniture Loans.
  • Retail Credit Cards
  • Payday/ Installment Loans.
  • Buy Now, Pay Later Plans.
  • Unsecured Debt.
  • Bank, Credit Union, or Finance Company Installment Loans.

What cannot be included in a Debt Repayment Program?

  • Mortgages.
  • Lease Payments.
  • Loans Secured by Vehicles or Other Equipment.
  • Other Secured Loans.

If monthly debt payments are difficult to handle, or interest charges are a real roadblock to you becoming debt free, then a Debt Repayment Program may be just the solution you need.

Still have a question? Contact us: info@united-transfer.com
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