Free credit debt help is only a phone call away. CCCS of Southwestern Virginia offers free credit debt help to consumers.

Americans currently owe $2 trillion in non-mortgage debt. On average, Americans owe about $8,000 per household on all credit cards and would benefit greatly from free credit debt help. Cardweb.com estimates that 20 percent of cardholders are “maxed out.” While these numbers make it tempting to place blame squarely on the shoulders of the credit card issuers, it is ultimately the consumer's responsibility to make wise financial choices. Unfortunately, making smart financial choices isn't always easy, but free credit debt help is a great start. Contact us for free credit debt help.

The lack of credit education has later ramifications. If you have ever experienced financial difficulty, you know that debt affects more than your bottom line number. Financial stress can also affect the really important things in life—your relationships and your health. In fact, the stress can be so severe that it sometimes forces consumers to seek solutions, too often ending in bankruptcy court. Getting free credit debt help is a wise decision. Total bankruptcy filings, according to the Administrative Office of the United States Courts, remain at historic highs. There were 1,661,996 bankruptcies filed in Fiscal Year 2003, up 7.4 percent from the 1,547,669 filings in Fiscal Year 2002. This is the highest ever total of filings for any reporting period.

CCCS of Southwestern Virginia's trained credit counselors will provide you with a session of free credit debt help over the telephone. Don't delay, contact us now for free credit debt help.