Home level United States level Kansas Debt Consolidation levelHousing & Credit Counseling


Housing & Credit Counseling

2518 Ridge Ct
Lawrence, KS

Housing & Credit Counseling is a private, non-profit community service agency offering counseling and mediation in debt and financial related issues. The company provides budget counseling, debt management, and also educates the consumer regarding the wise use of credit and money management.

Housing & Credit Counseling started its business from 1972 and presently has three branches. The members are charged $25 as one time sign up fees and then a monthly fee of $5 per creditor with a ceiling of $20 per month.

Housing & Credit Counseling works with both the objective of helping their members repay their debts and also helping the creditors receive the money owed to them. The company promises to try its best in reducing or stopping interest payment, late fees, over limit fees and also updating the member's credit account.

User Comments
user comments Martin
February 11, 2005 at 10:40pm

Needs to reduce its charges.
Their debt consolidation service is excellent. Also they are good at negotiating interest rates. But, they have plenty of hidden fees. The sign-up fees is acceptable, but something definitely has to be done about the monthly fees and added to that are the other ‘requirement fees’ the company charges from time to time. Else, this is a wonderful company who knows what it is all about in customer satisfaction.
user comments Gunther
April 13, 2005 at 4:10pm

Good negotiator of rates.
This company is a good negotiator of rates. They substantially reduced my interest rate. I had over $7,000 in debt arising out of various small loans I had taken from different places. The company which I had earlier approached had said that it was not possible to consolidate all loans from so many different sources. But when I approached Housing & Credit Counseling with my problem, they helped me with assurance and I have already signed on to their program and thanks to them, can dream of a better future once again.
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* Disclosures:
  • By signing up for counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
  • Some creditors and collection agencies refuse to lower the pay off amount, interest rate, and fees owed by the consumer.
  • Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
  • Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
  • The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.
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