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    Home ::: New York ::: Smithtown ::: Credit & Debt Counseling Services

    Credit & Debt Counseling Services in Smithtown


    Below is a list of businesses listed within our directory. If you do not see your business within the list below, you can submit it for addition to this list. Adding your business will feature your listing above Standard listings.
       
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    Business Listing   Atlantic Credit Repair Agency - Smithtown, NY - Phone: (631) 979-6464


    Business Listing   Mason Credit Counseling Inc - Smithtown, NY - Phone: (631) 863-1100


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    Helpful Definition for: Credit & Debt Counseling Services


    Credit and debt counseling services in Smithtown 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.