http://www.debtlady.com/consumer-credit-counseling.html Become a stalwart in credit manipulation with the consumer credit counseling specialists. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 Have you considered consumer credit counseling? Are you ready to master the world of credit. With consumer credit counseling sessions, you truly will be given the tools to debunk myths and misconceptions that abound in the credit-granting and receiving world. Tricks of the Trade By partnering up with a reputable (carefully researched) consumer credit counseling agency, you will become privy to the way in which to consciously establish spending and payment patterns. Because there are so many possible angles to consider, we could hardly include a complete listing of subjects that might make it into a consumer credit counseling 101-type program, but we can give you a few examples: 1. Late Fees. Credit issuing companies are enjoying more profit from late fee charges than ever. This is because they've altered the system to their advantage. From 1992 to 2000, the average late fee doubled. Another shenanigan is they've reduced interval time between a bill's mail out time to its due date. Additionally, 2/3 of credit issuing companies have restricted leniency periods. Your credit counseling expert can show you how to identify these warning flags, in advance. 2. Increase of Punitive Annual Percentage Rate (APR). In 1998, penalty APRs were an average of 4.5 percentage points higher than regular APRs. Currently, they are nearly 8 percentage points higher. Your consumer credit counseling specialist can help you to avoid this trap. 3. Your 'fixed' APR can change with as little as 15 days notice. Although this is considered legal, recognize the warning signs before signing up with a credit issuer with a pattern for this type of behavior, through the expert guidance of your credit card counseling specialist. Become the true credit stalwart you have locked within you. Let the consumer credit counselors increase your potential for this occurring. You can only gain from a consumer credit counseling service that is a veritable clearing house of information, yes that is exactly what it is. The longer that you hold onto your debt, the more you will owe and the longer it will take to get it paid off. wake up and get some serious consumer credit counseling services on your side. Sat, 26 Jul 2008 15:00:00 EDT http://www.debtlady.com/consumer-credit-counseling-services.html Consumer credit counseling services offer both sound advice and programs that can help you to become debt free! en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 http://www.debtlady.com/consumer-credit-counseling-service.html Find all the answers to your debt questions with a consumer credit counseling service en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0