about Credit Counseling What is Credit Counseling? Credit counseling organizations offer a variety of financial information to the consumers such as budgeting and saving tools and also the proper use of credit cards. Credit Counseling organizations also have agreements in place with the major credit grantors whereby the credit grantors will relax interest rates and reduce minimum monthly payments in return for consistent repayment of debt by the consumer. This means that a consumer enrolled in debt consolidation credit counseling will pay less total money each month, but because of the lowered interest rates, a much greater portion of that money will go toward reducing the balances. It is a win-win situation for the consumer and the creditor. What programs do ANH offer that can help me financially? ANH has a financial literacy program, which helps end bad spending habits and starts creating new healthy spending habits. ANH also has a Debt Management Plan; in addition, through relationships through finical services providers, ANH can also assist you with issues concerning tax problems and debt negotiations/settlements. How does the Debt Management Program Work? Our Certified Credit Counselors will help to establish a budget that you're comfortable with and capable of paying as well as work with within your creditors guidelines. ANH then establishes a payment plan that satisfies your obligations. At the same time you will be receiving information on a variety of financial topics that will make you more financially knowledgeable for your future. How long is the typical debt management program? Your estimated duration is based on your balances and how much your monthly payment is. The average time it takes a client to complete the program is 5 years. What happens when I complete the program? Many of our clients have reestablished good credit due to continuous on time monthly payments while in the program. This combined with the financial education received throughout the program enables you to make sound financial decisions for a stable future. If I do not have a debt problem, how can ANH help me? ANH's financial literacy program can provide you with very valuable information on a variety of credit and savings topics. This information will help you to establish positive spending habits that will secure your future. Why should I choose ANH as my Credit Counseling Agency? We have an excellent track record spanning 10 years; we offer superior client service and have successfully helped literally thousands of clients from all walks of life, professions and businesses around the world, save money and realistically get out of debt and stay out of debt. How do I find out more? ANH makes it easy to learn more about our non-profit organization, our programs, and our services. Please explore this website, and take a few extra minutes and visit our learning center. You may also call us directly at 1-800-556-1548 and speak to one of our Interview and Education Specialists.