230 Park Avenue 3/4 Floor West, NY 10169   |  844-523-3832 (844 Debt). |   (917) 893-4517 |   |   en Spanish

Credit Counselling

Credit Counseling: Your First Step to Better Financial Health

At Limpia Deudas, we understand that managing debt and maintaining a healthy credit score can be overwhelming. Our Credit Counseling services are designed to provide you with the knowledge, tools, and support to make smarter financial decisions and improve your financial well-being.

What is Credit Counseling?

Credit counseling is a service that helps individuals understand their financial situation, learn strategies for managing debt, and create a personalized plan to work toward financial stability. It’s an educational process that empowers you to take control of your money, avoid future financial pitfalls, and improve your credit standing.

  • Personalized Financial Assessment: We start by thoroughly assessing your current financial situation, including your income, debts, expenses, and credit reports. From there, we create a clear picture of where you stand financially.
  • Debt Management Plans: If you are struggling with debt, we’ll work with you to develop a customized debt management plan. This plan may include strategies for reducing debt faster, consolidating your payments, and potentially lowering interest rates.
  • Credit Report Review: We’ll help you review and understand your credit report, pointing out areas of concern and offering advice on how to improve your credit score over time.

Why Choose Limpia Deudas for Credit Counseling?

  • Expert Guidance:
    Our counselors are certified professionals with years of experience helping individuals manage their finances and rebuild their credit. We offer expert advice you can trust.
  • Confidential & Compassionate Service:
    We understand the sensitive nature of financial struggles. That’s why we ensure that every counseling session is conducted in a confidential, non-judgmental environment where you feel comfortable discussing your concerns.
  • Education-Focused:
    Our goal is not only to help you get out of debt but also to teach you how to maintain financial health in the future. We equip you with the knowledge to make informed decisions moving forward.
  • Improved Credit Score
    By eliminating or reducing your credit card debt, you can improve your credit score, which may open doors to better interest rates on future loans and credit.

How Credit Counseling Can Help You:

  • Improve your credit score
  • Reduce stress and anxiety related to debt
  • Gain a clear understanding of your financial situation
  • Create a sustainable plan to get out of debt
  • Build a strong foundation for your financial future

Take the First Step Towards Financial Freedom

If you’re ready to take control of your financial future, contact us today to schedule a free credit counseling session. Our team at Limpia Deudas is here to help you navigate the road to better financial health!

Frequent questions

You can consolidate credit card debt, personal loans, medical bills, payday loans, and other unsecured debts. Secured debts like mortgages or car loans typically aren’t included.

Initially, applying for new credit can cause a temporary dip in your credit score. However, timely payments on the consolidated loan can improve your score over time.

Debt consolidation combines debts into one manageable payment. Debt settlement involves negotiating with creditors to reduce the total amount owed.

Those with multiple high-interest debts, a steady income, and a credit score that qualifies for favorable loan terms.

Yes, including:

Higher overall interest if the repayment term is extended.

Risk of losing collateral (e.g., your home in a home equity loan).

Potential to accrue new debt.

No Not if it’s enrolled in the program being negotiated. The creditor would have closed your account after you missed some payments. Based on your current status, your debt expert will guide you to the next plan of action.