Bonnie Canty, Executive Director of Debt Management Credit Counseling Corp., states on their website that they help people learn financial literacy and if an applicant qualifies they are introduced to a debt management plan to aid them in eradicating their debt. Through twelve lessons taught by self-study, DMCCC provides a basic financial education. The course is entitled Debt, Money & Credit Concepts and includes basic training in subjects like:

• Budgeting
• Credit
• Bankruptcy
• Mortgages

The studies are available either online or the company will send out the course workbook once the applicant has filled out the downloadable registration form and mailed it in. DMCCC will issue a certificate to those who successfully complete the training and will notify the nation’s three major credit bureaus – Experian, Equifax, and TransUnion of what the client has accomplished.
Not only does Debt Management Credit Counseling Corp. provide private training to individuals they also conduct free seminars throughout South Florida in community centers. The seminars are available in Spanish also. DMCCC has combined forces with Rosenblum Tax Advisory Group in Boynton Beach, Florida, to conduct Identity Theft workshops. DMCCC also works with Broward Outreach Center of Pompano Beach, Florida, holding classes each week on subjects such as Budgeting, Wise Credit Card Use, Checking Accounts, and Identity Theft. These classes are geared for assisting homeless people to re-enter the workplace and intelligently provide fiduciary responsible lives.

Debt Management Credit Counseling Corp. is very involved within their community through assisting various charities and service organizations. DMCCC provides a scholarship to a student of the Florida Atlantic University Harriet L. Wilkes Honors College each year. DMCCC also helps organize food drives, clothing drives, and staff several events put on by local charities.

Debt Management Credit Counseling Corp. is a 501c3 not-for-profit organization. It can be contacted on the internet at www.dmcccorp.org, by phone at 866-618-3328, or at their office at 700 West Hillsboro Boulevard, Building 1, Suite 105, Deerfield Beach, Florida 33441. Sometimes having someone on your side makes all the difference in the world.

Everyone facing this dilemma seems to be in shock. They don’t know what to do or where to turn. The Christian soon finds himself without an income and unable to provide for his family. Some may be able to go to their churches and seek out the benevolence ministry, but they soon find that in most churches, that area of ministry has been one of the most under funded and can only provide limited help at best. Where does the Christian turn now?

Christian debt consolidation loans are not necessarily a new concept  but Christian Debt Management is a source for professional guidance founded upon Christian values. They have been in business for over 21 years helping thousands of individuals and families work through financial problems and point them toward a debt free life. Their trained counselors provide professional assistance through advice, education, service, and a personal financial plan geared for each individual client.

The plan based upon information gathered through a comprehensive review of the client’s debt portfolio will be managed to provide timely payoffs through low monthly payments. Christian Debt Management is different because of the following benefits it provides:

• Prompt service by highly trained professional advisors
• Quick debt payoff
• No hidden fees
• No minimum financial requirements
• All applicants are accepted regardless of their credit – damaged, good or excellent.
• No waiting period – plans start immediately upon ascertaining the proper direction.
• CDM handles all the potential harassing phone calls and eliminate most late charges imposed by creditors.
• An affordable monthly payment is designed to fit within the client’s budget.

Christian Debt Management is located on the internet at christiandebtmanagement.com or through a toll free phone call at 800.297.7898. CDM is a member of the Better Business Bureau in Boca Raton, Florida.

The truth of the Christian experience according to the teachings of the Apostle Paul is that believers in Christ are “joined and held together by every supporting ligament”. That is the truth of relationship we find in Christ and in the body of Christ the church. We are responsible for one another even in the midst of economic woes. That is why Christian Debt Management can be a source for the hurting Christian today.

The founders of Debt Free America have developed their business due to a huge increase in the financial world of debt problems. Many consumers are faced with dilemmas for many different reasons which are compounded through the recent economic downturn our country is experiencing. Debt Free America has approached this service need with an interesting tool. They have developed an interactive website that succinctly brings advice and economic training to those who need it now.

The website is found at debtfreeamerica.com and is a guide for debt eradication and re-establishment of positive personal economics. The consumer has the option of calling a toll-free number listed on the website or to use the ‘Guide me online!’ link to begin their process. There is also a registration for a free newsletter from the company.

The “Guide me online!” features four modules or steps that introduce some basic economic facts to the consumer. Ray Noftsinger, the owner of Harbour Credit Counseling and NewSuccessPath.com presents a video and basic financial news articles in the modules to begin the process of debt free living.

The Modules are as follows:

1. Module One – Spending Plan and Net Worth
   The video and written script describe the two basic measuring points for a family’s financial health.
2. Module Two – Net Worth – Details
   This module discusses what assets and liabilities are and how each of those affect a families cash flow.
3. Module Three – Cash Flow Concept to Lifestyle
   The third module defines cash flow concept. The video and script explain how a lifestyle concept is developed through understanding and improving one’s cash flow.
4. Module Four – Compound Interest and Asset Categories
   The last module provides an interesting lesson on how compound interest can work for you and how to pursue a cash flow engine that will produce for you. It also talks about three categories of status: Employee, Small Business and Self-Employed, and Business Owner and Investor.

The use of an interactive website with interesting videos and graphics is a novel approach to introducing debt eradication and wealth building to a needy public. It is a good way to learn personal family economic basics and to introduce you to the world of debt counseling.

An all too common picture is emerging. Hardworking men and women who have been faithful employees for many years find themselves coming home with the tragic news that their company is either shutting down or ‘down-sizing’ because of the economy. How are they going to pay their bills and mortgages? How will they provide food, water, and utilities for their families? Will they lose their cars, and if they keep them, how can they pay for the gas? Well someone has listened to the cries of financially hurting people – Freedom Debt Management.

Freedom Debt Management is a non-profit, 501c3 organization established to provide free counseling services for people who need help with their personal financial picture. Anyone may contact them through their website at freedomdm.org or by calling their toll-free phone number 800-789-6143.

Some of the services they offer include:

• Credit Consolidation – a debt management program whereby they use a plan for debt consolidation to reduce debt within five years or less. The debt consolidation plan allows the client to place all credit card, medical bills, debts in collection and other unsecured debts into one affordable monthly payment.
• Budget Counseling – a training session that assists the client in budget preparation and focuses on debt relief
• HopeNow – Freedom Debt Management is linked with HopeNow, an alliance between mortgage market participants, mortgage companies, investors, and counselors to aid financially distressed homeowners to find the right, affordable plan to pay off their mortgage debt and stay in their homes.
• CareerOneStop – Freedom Debt Management is also linked with the U.S. Department of Labor to help clients through the Worker Reemployment Portal that gives out information for unemployment compensation, job search, and training services through 3,000 One-Stop Career Centers throughout the nation.
• Personal Financial Education – Freedom Debt Management provides a blog service for the latest financial news and credit counseling information. Worldwide news sources and articles updated weekly by certified credit counselors give the most usable information for understanding just how best to tackle debt problems and fix bad credit.

Many people in financial trouble hide behind their pride and unwillingness to seek assistance in troubled times. That maybe a false concept of Americanism, but in reality, we must help one another, and in doing so we help our country. Do not be afraid to ask for help in determining what to do. Seek advice and counsel. Freedom Debt Management is waiting to help you today.