Apply online for nonprofit credit counseling.

Online nonprofit credit counseling services to lower bill payments for credit cards and other unsecured debt.

Company	Information
National Debt Relief You DON'T need to be a homeowner!	National Relief Debt Settlement Company - One of the country’s largest and most reputable debt settlement companies. At National Relief we have helped thousand of Americans gain financial freedom and get debt free within 12 months. We help reduce debt by 40 to 60% at very low monthly payments.
You DON'T need to be a homeowner!	Debt Consolidation - 100% Online Debt Relief - Lower Payments by up to 57% - Debt doesn't have to Control Your Life - Debt Consolidation can Save Thousands of Dollars

Can't pay the minimums on your credit cards?
Consistently late paying one or more of your regular bills?
Being hounded by creditors and collection agencies?
Can't reach reasonable repayment plans with creditors?
If so, request consumer credit counseling assistance

Even non-home owners can enjoy unsecured debt consolidation and debt negotiation.

Learn who qualifies for a debt consolidation loan and review options to get out of debt.

Don't know which debt program is best for you? Compare credit counseling vs debt settlement to help you decide which one offers the best benefits for your situation.

Whether you choose a credit counseling agency or a debt settlement company, either program can only help you with unsecured debt. Find out what types of unsecured debt qualify.

There is no such thing as a non home owner debt consolidation loan. You may; however, use other alternatives to reduce payments or to get a loan to pay off debt.

Get more information about debt, and read our articles related to credit counseling.

Debt

People are seeking debt advice every day as they are buried in bills. There are some tried and true methods to get out of debt, yet deciding on the one that is right, can be difficult. The most important thing is to stick with a plan and keep track of goals. Getting out of debt requires dedication once a plan is implemented.

It is so easy to become burdened with debts, yet almost impossible to escape from it when thousands of dollars are owed. Unfortunately, some may wait too long to try to tackle it. To be able to get control of it, it is necessary to understand the types of debt. Some debts are unsecured, which means the debt is not attached to a piece of property, like credit card debt. A mortgage payment is a secured debt, and if the loan is not paid, there is a risk of losing the home.

Getting control of bills needs to begin with a carefully prepared, written budget, and keeping track of every dollar. It is a guide and may need adjusting from time to time. That is ok, it helps to review it, adjust it, and, stick with what is written down.

Organize all required monthly expenses. Begin with food expenses, the mortgage payment, and utility bills. Consider looking over last years bills to get an estimate of the total expenses for the year. For example, a utility bill may be higher during hot months or cold months, and it may be necessary to set aside money to prepare. Reviewing last years income and expenses can help you discover any extra payments for insurances, taxes, etc.

Example of Expenses Listed on a Budget:

* Mortgage Payments

* Utility bills

* Phone bills

* Child Care

* Gifts, Birthdays, etc.

* Gas, auto payments, repairs

* Food, cook more, eat out less

* Money deposited into a savings account. 

The list above is an example, make your own list and write a dollar amount by each item. Consider things on the list that could be eliminated. For example, cell phone plans could be reduced or home phones may not be needed. Notice that entertainment is not on the list. By eliminating this expense, there could be more money to use to pay down bills. If it is put on the budget, make sure to set an amount that is reasonable and set limits. Entertainment expenses can take a big bite out of the monthly income. Try to do more home activities for a while.

First time budgets can be a success, and it takes time for it to become a habit and refined. It is a starting point, as many people never follow one, and later wonder how they got into debt. The more it becomes a habit, the more you know your expenses, and what you must plan to spend out of each paycheck. Keeping bills paid on time can be huge stress relief.

Target debts to pay every time a paycheck is received, spread it around to what is necessary to pay first. After some weeks, you may find your finances in better shape and feel some pride in getting debts well under control. Paying debts must become a weekly target, to make progress and get bills paid. This also helps to avoid any added expenses. Using a calendar as a reminder is a good tool to use. When getting out of debt is not working, consider a free quote from a debt counselor.

Government Grants Catalog of Federal Assistance	Catalog of Federal Domestic Assistance (CFDA) provides a full listing of all Federal programs available to State and local governments (including the District of Columbia); federally-recognized Indian tribal governments; Territories (and possessions) of the United States; domestic public, quasi- public, and private profit and nonprofit organizations and institutions; specialized groups; and individuals.
Biggest Debt Mistakes	Are you making the biggest debt mistakes? Avoid common errors so you can reduce bills, increase your profit margin and payoff high interest burdens like credit card debt without having to negotiate a settlement or get credit counseling.
Homeowner Financial Assistance	Instead of tax payer funds, profits from government sponsored mortgage lenders Fannie Mae and Freddie Mac would give refi homeowner assistance to up to 500,000 strapped borrowers, possibly even bad credit home loan borrowers.
Calculate Debt And Payoff	Most Americans have some form of debt and that's OK, but what is too much debt and what are your options? Should you get a secured or unsecured loan to payoff debt, hire a nonprofit credit counseling agency to setup a repayment plan, combine bills with debt consolidation or negotiate settlement?
Free NonProfit Mortgage Foreclosure Help	Trouble paying your mortgage? Nonprofits offer free help to stop foreclosure.
Citigroup Grants and Charity	Citigroup awards a grant to expand Women & Company Microenterprise Boost Program, and Citibank & Foundation Donate Over $10 Million to California Nonprofits in 2005.

Citigroup Grants	Free money: Citigroup Foundation presented a total of $825,000 in grants to 165 nonprofit organizations.
Wells Fargo and U.S. Bancorp	Wells Fargo and U.S. Bancorp post higher profits.

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