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• Bankruptcy

  • The Process of Filing Bankruptcy

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• Collections

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  • Fair Debt Collection Act

  • How do I locate a credit reporting agency that has access to my records?

  • Do I have the right to know what is in my credit report?

  • Is there a charge for my report?

  • What can I do if the credit reporting agency will not modify my report?

  • Do I need to request the information in person?

  • Are reports prepared for insurance and job applications different?

  • How long can negative information remain in my file?

  • Can anyone get a copy of my report?

  • Are there other laws I should be aware of?

  • Where should I report violations of the law?

• Credit Reporting Agencies

  • Understanding Your Credit Report

• Debt Consolidation

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  • 809# High Charges Long Distance Scam
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• Free Debt Analysis

  • Financially Speaking - How do you measure up?

• Money Management

• Our Services

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  • FAQ's

  • How does your program affect my credit report?

  • Why will creditors lower my interest rates for you?

  • Does Kimberly Credit Counseling actually loan me money?

  • Why shouldn't I file for bankruptcy?

  • I'm not behind on my bills, but I'm barely making it by each month. I've also noticed that my balances never seem to go down. Can I enter your program even though I'm current in my bills?

  • What exactly is unsecured debt?

  • When will my first payment be due?

  • Can I still use my credit cards?

  • Do I have to put all of my creditors on your program?

  • Can you help if I am being charged late fees and if I'm past due on my accounts?

  • Should I consider getting a consolidation loan instead?

  • Will I continue to get phone calls and collection letters from my creditors?

  • Must I remain on the program until I am debt free?

  • What information should I have on hand in order to get started?

  • How do you figure what my monthly payment will be?

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