There are many options to repay unmanageable debt. To get immediate help with debt management budgeting, contact CCCS of Southwestern Virginia. Here are several other options:

The first option is to take a look at your spending plan and make changes that would allow you to pay off the debt – classic debt management budgeting. For help, the experts at Consumer Credit Counseling Services of Southwestern Virginia offer a booklet that provides excellent debt management budgeting advice. Contact us now to get started with a debt management budgeting plan.

A second option is to try and negotiate with the creditor(s). Many creditors offer hardship programs to people facing temporary setbacks. To request a revised repayment schedule, contact the creditor(s) in writing to explain your circumstances and debt management budgeting plans. If you are able to negotiate, be sure to get all of the details in writing to prevent future problems. Contact CCCS of Southwestern Virginia for help with your debt management budgeting goals.

During your appointment, your counselor will go over your income, indebtedness and overall financial situation to develop a realistic debt management budgeting plan . You will then discuss possible solutions and your counselor will offer recommendations for you to consider. If your debt is truly unmanageable, your counselor will explore the possibility of a debt management program (DMP) that will further help you with your debt management budgeting goals.