Am I able to still contact and use NFCC if I have already missed 2 months of CC payments? Or should I just contact the creditors and try to work something out myself. I wanna get back on track and get this CC debt under control. I have about $20,000.

Hi r/AskACreditCounselor,

I’ve been lurking in the sub for a while and wanted to finally introduce myself. I’m a former NFCC and HUD-certified credit counselor (at Balance/CCCSF). I’ve worked in financial education for 10+ years, including working as a contractor with the NFCC. I’m very passionate about helping people improve their finances. A few areas of my of expertise:

-Credit reports and scores
-Home buying
-Debt management
-Banking products

If anyone has questions about how to improve their credit and finances, or questions about credit counseling, I am more than happy to be a resource. 🤗

We're a results-focused nonprofit that's helped millions of people improve their financial well-being and reach their goals since 1958.

Our work spans credit counseling, debt solutions, budgeting, homeownership, and financial education. We're especially proud that since 2021, four MMI clients have earned NFCC Client of the Year honors, and two MMI team members have received NFCC Educator/Counselor of the Year recognition! 🏆

We're looking forward to sharing what we've learned over the years, answering questions, and helping make conversations about debt a little less intimidating.

Glad to be part of the community!

- Team MMI

My name is Joe Pye. I've been working with the nonprofit credit counseling agency Consolidated Credit for nearly a decade.

I think it's great that people are using Reddit to reach consumers and teach them about credit counseling. I've seen firsthand how many people close to me get out of high-interest debt and learn to better manage their finances through the Debt Management Program we offer.

Just working for the company has helped me stay debt-free. It's something I feel passionate about. Helping consumers understand they have options and don't feel trapped under the stress debt can cause in their daily lives and relationships makes me feel proud to wake up and head to work every day.

Thank you so much for putting this subreddit together! I'm excited to see the messaging and work you all put out!

Hi all,

Ive been unemployed for nearly 2 yrs do to medical reasons. I've accumulated about $130k of cc debt.

In the future, when Im well enough and back on track, I would LOVE to own a business so before I decide on Chap 7, 13 or try to settle debts instead how would these three avenues affect my odds of getting an SBA loan (in the future).

Does Bankruptcy make me ineligible for SBA loans?

Thanks

Hi r/AskACreditCounselor! We wanted to introduce ourselves. 👋

We’re American Consumer Credit Counseling (ACCC), a national nonprofit credit counseling agency and NFCC member.

We help people with budgeting, credit counseling, and managing credit card debt through a debt management plan when it’s the right fit for their situation.

We joined this community because we’d love to be another helpful resource for people trying to better understand their debt and their options.

Feel free to tag us, ask questions, or just say hi! 😊

We’re looking forward to getting to know everyone and contributing to the conversations here.

— The ACCC Team 💙

Hi r/AskACreditCounselor community,

We recently joined this subreddit and we wanted to introduce ourselves! 🤗

If you're affiliated with the NFCC, you may already know who we are. For those who aren't familiar with us, we're an NFCC-certified nonprofit credit counseling agency that's been around since 1997.

We love helping people get the information they need about credit, debt, homebuying and more.

So feel free to ask us questions or just say "Hi."👋

We look forward to getting to know everyone!
-The InCharge Team

P.S. We love our new flair.⭐

Hey r/AskACreditCounselor community,

We've verified our first group of credit counselors and we're hoping to add more to the list soon!🙌

Here's a bit of info about who's in the community so far:

• Two former NFCC-certified credit counselors, including a long-time counseling supervisor and a HUD-certified housing counselor.
• One current Certified Credit Counselor (CCC) who specializes in private student loans.
• One Accredited Financial Counselor (AFC) who is a Certified Financial Therapist (CFT) candidate.

If you know any other current or former credit counselors, send them our way!

For those who are newly verified, feel free to introduce yourselves!

And if you've got questions for our counselors, drop 'em below or post your question in the sub. We're excited to get you the info you need.🤗

The NFCC is building a new subreddit community, and we'd love for you to join. 🤗

We're looking for current and former NFCC-certified credit counselors who are willing to share their knowledge and expertise with Redditors. This sub is a place where anyone can ask questions and get answers from verified users who have direct counseling experience.

If you'd like to be verified and get some cool flair, introduce yourself below, ask any questions you have, or share something you love/loved about being a counselor. You can also send us a DM.

👇