What Services Can Pioneer Credit Counseling Provide For Me

By Phillip Williams on July 30, 2010, 8:07 am Posted in Business News

Pioneer Credit Counseling, a non-profit, credit-counseling program, based on Christian principles, that provides assistance in several areas of personal finance, including bankruptcy, debt liquidation, budgeting, and home buying.

Bankruptcy And Debt Management

Pioneer Credit Counseling offers both pre and post Bankruptcy counseling. Certified Credit Counselors are available for phone or Internet consultations. They can provide clients with information about the bankruptcy process and advise them of their available options. Post bankruptcy counseling is available in person or by phone or Internet for people who need to satisfy their post bankruptcy education requirement.

Pioneer Credit Counseling can also create a debt management plan for people who are feeling overwhelmed by financial obligations. By consolidating all debts into one payment, Pioneer Credit Counseling can help clients lower their interests and monthly payments, stop any harassing calls from collection agencies, and possibly avoid bankruptcy.

Financial Counseling

A Pioneer financial counselor can examine an overview of a client’s current financial situation, evaluating income, debt, spending habits, and available credit. Using this information, the counselor can develop the best course of action to manage these finances. Financial counseling is a useful counterpart to people who are also participating in a debt management plan, but it can also help clients who want a better understanding of their financial situation and to improve their credit score.

Housing Counseling

Pioneer Credit Counseling works with experts in the home-buying industry to offer advice on how to responsibly purchase and maintain a house. Counselors can show potential homebuyers how to budget for a down payment and improve their credit for a mortgage application. Current homeowners can learn how to increase their equity, maintain their home value, and avoid foreclosure.

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