Credit and debt counseling services in Buffalo offer education to consumers about how to avoid incurring debts that cannot be repaid through establishing an effective Debt Management Plan and Budget. Credit counseling is usually less typified by functions of credit education or the psychology of spending habits; rather credit counseling establishes a planned method of debt relief, typically through a Debt Management Plan. Credit counseling often involves negotiating with creditors to establish a debt management plan (DMP) for a consumer. A DMP may help the debtor repay his or her debt by working out a repayment plan with the creditor. DMPs, set up by credit counselors, usually offer reduced payments, fees and interest rates to the client. Credit counselors refer to the terms dictated by the creditors to determine payments or interest reductions offered to consumers in a debt management plan.

Water, Water Everywhere but Not a Drop to Drink?

By:  Lee Ann Rush We’ve discussed the stranglehold that the giant food-processing conglomerates have on our domestic food supply several times, always recommending that people choose wisely by limiting processed foods, buying local (preferably organic) produce in season, and taking a shot at growing their own backyard or container gardens.  One thing we haven’t talked about is drinking water, something that..