I have at least 13,000.00 in unsecured debt. What'

I have at least 13,000.00 in unsecured debt. What's the best way to find a non-profit debt consolidation place in my area. I'm elderly and on a fixed income.

4 Answers

Check online for the non-profit debt consolidation companies. While researching, check if the company is accredited with the BBB. In addition, you should also talk to them at least over the phone and make sure that they charge no upfront fees.


The 501 (3) certificate can give you an indicication whether or not any debt consolidation company is non-profit. You can browse through different websites to get a list of non-profit debt consolidation companies in your state. 


Try to figure out whether or not the the non-profit debt consolidation company has the 501 (3) (c) certificate that is awarded to them by the IRS. If they hesitate to show you this certificate, you must know that this is a scam company.


Look up your local office of Consumer Credit Councelling Service...CCCS.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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