Credit and debt counseling services in Phillips 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.
“Solarize” campaigns are encouraging homes and businesses throughout the state to install solar – State will support another 31 “Solarize” campaigns set to begin this spring (Long Island, NY) Governor Andrew M. Cuomo today announced that 900 solar projects are underway through 26 community “Solarize” campaigns across New York State. A component of the NY-Sun program and the Governor’s..