In fact, I think everybody could need Consumer Credit Counseling. All who have to deal with money in our complicated society could need to have a talk with a credit counselors at a Consumer Credit Counseling Agency . And that´s the most of us, is it not? For some, not because they are in trouble, but to be sure they never will be. For others, they are already in trouble with their finances, and will sure need some help. If it is not to late.There are many out there who want to sell you Consumer Credit Counseling services. Before you choose one, ask what they cost? If you are in financial difficulties, don´t get deeper because you are getting services that cost you to much, more than you can pay. Since the late 80’s and early 90’s, the number of credit and debt counseling agencies in America increased significantly, and many of them are not working for their clients first, but for themselves, second for you. As the marked of people with money problems grows, so do the group of helpers, Consumer Credit Counseling and others, grows too.Therefor, look out for them who is there mostly to get your money and don´t care too much if you are getting into deeper trouble. If you smell them, run as fast as you can.Organizations who have criticised the credit counseling industry, say that credit counselors serve the interests of the creditors over the interests of consumers. Credit counselors respond that their job is not to take sides, but to take care of all parties equally to help resolve debts.But my main point is; you can sure get help from Consumer Credit Counseling if you use a little time to find the right one. You can even get help from the reading books. Some authors know their stuff, and have helped a lot of people without needing to pay a lot for Consumer Credit Counseling.To become in need of Consumer Credit Counseling is a shame to some. Don´t feel that way! Everybody may need help now and then. What may be worth being shameful for is not seeking help. There is help for all, whoever you are, and some counseling are non-profit Consumer Credit Counseling.

Debt consolidation is a legal process of combining all debts into one debt. Most people acquire loans from banks, loan companies, credit unions and other financial institutions to combine all their debts and make a single payment. A debt consolidation service is a finance company that acts as a go-between or a mediator between the debtor and the creditor. A debt consolidation service aids customers by attempting to reduce the total bill value. This is done by negotiation. These services also provide detailed information on credit. They help by addressing issues such as credit management. Debt consolidation companies provide online services and free information to consumers. For this service, debt consolidation loan seekers are required to fill in their basic financial details on the web site. Filling these details involve giving out bank account and other important financial information, so always ascertain that the web site is secure before filling in these details.Personal debt in the United States is at an all time high. Emphases on material possessions and easy access to credit have crippled many consumers financially. Many homes have been mortgaged and re-mortgaged until they no longer hold any credit value. With no savings and no home equity, consumers are at a complete loss when their bills and expenses suddenly outgrow their incomes.Contacting creditors and informing them of the situation can correct stress caused by burdensome debt. Most reputable companies are willing to work with their customers to help them correct this problem. It is a tedious and time-consuming task to contact each credit card company and to negotiate with them a restructuring of debts. This is where a debt consolidation company helps its clients, since it is the duty of a debt consolidation service to handle these tasks for their customers. These services contact credit card companies via the phone or e-mail and make arrangements regarding the consumer’s bills. All areas of the customer’s bill are subject to re-arrangement. Interest rates, late fees and over limit fees are reduced. Many debt consolidation services allow the debtors to include medical bills, IRS debts, old utility bills as well as unsecured loans in their debt consolidation. In addition to all this, the repayment period can also be lengthened. In many cases, the whole debt amount can also be reduced.Debt consolidation services also provide counseling and administer ways for the customer to avoid going through similar problems again. Debt consolidation services devise budgeting schemes to stave off bankruptcy. These services also include arranging loans for clients. Clients are advised to give up all credit cards and to save up money for purchases, retirement and emergencies. Credit repair is one of the goals of most debt consolidation services and they help in keeping credit ratings at a basic minimum level. Some non-profit organizations also provide debt consolidation services but they only specialize in counseling.Before signing up for a debt consolidation service, remember that debt consolidation does not wipe out the debt, it only makes repayment simpler. Clients can sign up for debt consolidation without utilizing these services, but it is advisable to heed the advice and services of professionals and experts.

You may have heard it said that a cell phone is only as good as the network it communicates with, and that is a very true statement. So although choosing the right cell phone for your personal use will be important, the most important decision you can make when buying a cell phone is which network you plan to use.Unfortunately, it’s not very easy to compare cell phone providers head-to-head. This is because most phones that work on one network will not usually work on any of the other cell phone networks. So it’s hard to make a direct comparison using the same equipment. It’s also hard to compare cell phone providers because service can vary dramatically from one location to another. So how can you make an honest comparison of cell phone providers regarding their performance and service?Perhaps the best way to compare cell phone companies is through massive consumer surveys that get opinions from people all across the country on the various cell phone provider networks. Actually, several of these consumer surveys have been conducted by some well-known consumer groups and magazines. One such survey collected information from over 50,000 people in 18 major cities across the US. Another polled over 24,000 households regarding their cell phone usage. So by compiling the data from these large consumer surveys, some very clear patterns began to emerge that can be useful for the average person when they are buying a cell phone.On most of the surveys that were conducted, two companies did extremely well in both performance and customer service, and they are Verizon and T-Mobile. It also became apparent through most of the surveys that the companies offering the cheapest service plans are usually not able to offer the best service or cell phone network performance, so essentially you get what you pay for in a cell phone plan.These independent reviews establish that both Verizon and T-Mobile had excellent reputations for performance with fewer dropped calls and circuit overloads than most of the other carriers. In general, several reviewers were of the opinion that Verizon’s service was slightly better than T-Mobile’s, but the differences were very slight, and hardly worth mentioning.It should be noted that T-Mobile uses a GSM network that is compatible with most networks overseas, making it an excellent choice for consumers who travel internationally and want to be able to use their cell phone when they do. Verizon on the other hand works on the CDMA network instead, and is not compatible with other international cell phone networks.If you would like to examine the results of the cell phone surveys even closer, you can find them at the web sites for Consumer Reports, PC World, and J.D. Power and Associates, as well as others.