Credit Counseling Bureau Inc

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OUR AGENCY MISSION STATEMENT
Credit Counseling Bureau, INC. of San Diego County exists to provide debt consolidation, debt management, debt relief, credit education, and credit counseling to people who are in debt and want to be debt free.

Credit Counseling Services is a government approved program designed to get people out of debt. It is an alternative to bankruptcy. When you consolidate your debts through an approved agency, some of the creditors will reduce your interest rate. Late fees and over the limit fees are waived. Harassing phone calls stopped. You only make a single monthly payment. Usually, your monthly payment in the program is less than what you are required to pay by your creditors. The time frame to get you out of debt is also reduced. No matter how much you owe, you will be debt free within 5 years. The maximum time you can stay in a debt management program is 5 years. As a result, your monthly payment in the program is tailored around the 5 year period. Once you enrolled in the debt management program, all payments must go through the agency including the final payment to receive the benefit. During your enrollment in the debt management program, the interest rate is reduced, late fees and over the limit fees are stopped. The creditors mail monthly statements to you so that you can monitor your new interest rate, payment, and balance. The agency also mails out a monthly invoice telling you how much each of your creditors received. If you drop out of the program, the creditors will reinstate your interest rate to the original rate, and begin to charge late fees and over the limit fees and harassing phone calls. Your monthly payment will also be increased. We strongly recommend that you stop acquiring more debts while in the debt management program. Remember, secured debts are like automobiles, or homes in that they cannot be consolidated because the creditors secure them.

If you have bad credit and you have difficulty in renting, or finding a job, as a result of your credit, we can help. We can pull your credit report and put the bills you owe in consolidation and give you a letter to your potential landlord or employer. Usually they honor this letter and approve your application. This agency has helped many people in this situation to get jobs and rent apartments once their bills are consolidated.
We also have classes on budgeting and how to manage your finances. It is not how much you make that matters, but how well you spend your money. There is also a class on how to increase your FICO score, and how to establish and re-establish your credit. We also stop collection/harassing phone calls. For more information about these classes or our program, simply call 619-563-0995, or go to www.creditcounselingbureau.com.
Our office hours are 9 am - 7 pm M - F by appointment only. We are a member of the Association of Independent Consumer Credit Counsleing Agencies.
REGARDLESS OF YOUR CREDIT OR DEBT SITUATION, WE CAN HELP!