A well publicized requirement of the bankruptcy reform laws that went into effect in October 2005 is that most individual debtors must obtain credit counseling prior to filing for bankruptcy. All of the counseling agencies provide the services over the Internet or via telephone. Some provide services at a local office. Below is a list of the credit counseling agencies currently approved for debtors in the Southern District of California, which includes San Diego and Imperial County:
Alliance Credit Counseling, Inc.
15720 John J. Delaney Dr., Suite 100
Charlotte, NC 28277-2747
Best Credit Service, Inc.
2400 Crestwood Road, Suite 203
North Little Rock, AR 72116
ByDesign Financial Solutions
5628 E. Slauson Avenue
Los Angeles, CA 90040
Consumer Credit Counseling Service of Greater Atlanta Inc.
100 Edgewood Avenue, Suite 1800
Atlanta, GA 30303
Consumer Credit Counseling Services of San Francisco
150 Post Street, 5th Floor
San Francisco, CA 94108
Consumer Credit Counselors of Kern County
5300 Lennox Avenue, Suite 200B
Bakersfield, CA 93309
Consumer Credit Counselors of Orange County
1920 Old Tustin Avenue
Santa Ana, CA 92705
Consumer Credit Management, Inc.
28124 Orchard Lake Road, Suite 102
Farmington Hills, MI 48334
Credit Advisors Foundation
1818 South 72nd Street
Omaha, NE 68124
Credit Counseling Centers of America
9330 LBJ Freeway, Suite 900
Dallas, TX 75379-8039
Garden State Consumer Credit Counseling, Inc.
225 Willowbrook Road
Freehold, NJ 07728
38505 Country Club Drive, Suite 210
Farmington Hills, MI 48331-3429
Hummingbird Credit Counseling and Education, Inc.
3737 Glenwood Avenue, Suite 100-106
Raleigh, NC 27612
Institute for Financial Literacy, Inc.
449 Forest Avenue, Suite 12
Portland, ME 04101
Money Management International Inc.
9009 West Loop South, 7th Floor
Houston, TX 77096-1719
Springboard Nonprofit Consumer Credit Management Inc.
4351 Latham Street
Riverside, CA 92501
the article http://www.moneysavingfreetips.com/consumer-credit-counciling.html says to be wary of ccc firms coz:
"Thus as a consumer, you have to beware! Avoid "debt settlement" firms who promise to completely get rid of your debt within months and who ask for a $3000 upfront fee. These usually turn out to be scams who upon receiving the money will run off from the country, disconnect their phones or set up a new firm under a new name."
legit cc firms will not ask for more than 20$ for setup... so this is a good point to remember!
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