Credit Counseling

Who needs Credit Counseling?

Education is the key ingredient to successful consumer credit counseling in Oregon. It is a fact of life in today’s society that the use of credit is almost mandatory.

With the surge in internet shopping, it is next to impossible to complete a purchase without a credit card. Reservations for travel require a credit card. The cost of homes and vehicles almost always require financing through credit.

The world today demands that consumers educate themselves about credit. That's why at Oregon Fresh Start we provide the best consumer credit counseling in Oregon.

There are warning signs that exist when consumer credit counseling in Oregon may be required.

Consider these:

• Getting cash advances on one credit card to pay the bill on another credit card
• Spending more than 20% of your monthly net income on credit card payments
• Making only the minimum payments on your monthly credit card bills
• Financing a car for the maximum number of years so you can have lower payments
• Using credit cards to pay for items consumed immediately like food, gas, utilities etc.
• Hiding your financial situation from your family

Do You Need Credit Counseling in Oregon?

If any of these practices sound familiar, you should seriously consider credit counseling before matters get worse. Some people think that because you make your payments on time, you are in good financial shape.

Did you realize that by paying the minimum payment on your credit card bill that it will take you up to 25 years to pay off the balance? If not, then you should seriously consider credit counseling in Oregon from Oregon Fresh Start.

Another feature of too much debt that does not show up on paper but is just as real, is the feeling of being a slave to money. Your freedom will be greatly restricted because you will need to keep working just to keep the money coming in to make those monthly payments.

Credit counseling can help you avoid that situation.

For more information regarding credit counseling in Oregon, please Contact Us.