Should I use Consumer Credit Counseling?

What Consumer Credit Counselors Don't Tell You

If you listen to the radio, at some point you will hear a commercial for consumer credit counseling. They claim to be a viable alternative to bankruptcy. They claim that they know how creditors work. They claim that consumer counseling will have a lesser impact on your credit rating than a personal bankruptcy filing.

At the law firm of attorney Jerrold W. Bartman, Esquire, we communicate the facts to our clients throughout upstate New York. That fact is consumer credit counselors are not looking out for your best interests, but those of your creditors.

We work for you and focus on the best outcome. For real help in discharging or reorganizing your debts, contact us at (518)-864-4167 or (866)-559-7665.

We Have Your Best Interests in Mind

At the law office of Jerrold W. Bartman, Esquire, we educate our clients on these co-called consumer credit counseling agencies. These organizations are not to be confused with the legitimate companies that do mandated credit counseling for those filing bankruptcy.

When the bankruptcy laws changed, a new type of consumer credit counseling agency was born. Legitimate companies were crowded out by these new, so-called credit counselors. Today, they function largely as glorified collection agencies working for your creditors.

Consumer Credit Counseling Agencies Do More Harm Than Good

The pitfalls of a consumer credit counseling agency reorganizing your credit card debt are numerous, including a negative impact on your credit rating equal to that of a bankruptcy. Their goal is to get as much money for their bosses, aka the credit card companies. Your needs are ignored. Your best interests are the least of their priorities.

Get the true protection you need through the process of Chapter 7 or Chapter 13 consumer bankruptcy. If you are facing car repossession or home foreclosure, bankruptcy is usually your best option.

Contact Us

For more information or to schedule an appointment with an experienced lawyer, please contact us.