Financial Counseling Center Blog

3 SIGNS YOU MAY NEED A DEBT COUNSELOR

Thu, 04 Aug 2022 17:55:00 GMT

If you're struggling with debt, there are several debt management solutions available to help you. For instance, according to United States Courts, Chapter 7 bankruptcy can help a person get their debts discharged within 90 days. However, if bankruptcy is not the right option for you, you can always consider debt counseling . Here are some top signs that indicate you may need debt counseling.

1. You Can't Get Rid of Your Debt

Do you make your monthly payments on time, but still can't seem to pay down your debt? Chances are, you're only making the minimum payment, which is why your debt isn't budging. The problem with making minimum payments is that you aren't doing much to pay off the principal amount. Instead, the small amount you're paying is only going to cover the interest, which will keep accumulating as long as you have the debt. The good news is that debt counseling can help you come up with an effective payment plan that can help shrink your debt.

2. You're Stuck in a Vicious Cycle of Debt

A vicious debt cycle is one of the worst situations you can end up in. You may need to keep borrowing to stay afloat and as soon as you have paid off one loan, you find yourself borrowing again to make ends meet. In such a scenario, it might seem like there's no way out, but there always is! Instead of borrowing from one person to pay another, seek out a debt counselor that can help you escape the trap of continually relying on credit to stay afloat.

3. You're Failing to Come Up With a Workable Budget

If you want to stay financially afloat, it's important to first create a workable budget. This budget must be practical and realistic. Remember that the goal of a budget is not to deprive or limit you. Instead, it's a guideline for the best way to use your money that won't leave you with the need to apply for more credit. The right budget will also help you manage your expenses and encourage you to save money for a rainy day. A rainy day fund is always handy for those expected expenses, and the best thing about it is you won't get charged interest on top.

If your debt has become a problem, you don't have to tackle it alone. We have debt counseling professionals available to help you, so don't hesitate to contact the Financial Counseling Center today.

4 COMMON REASONS PEOPLE FILE FOR BANKRUPTCY

Mon, 31 Jan 2022 16:16:00 GMT

There are so many reasons why people find themselves working on bankruptcy preparation . We want to pretend that bankruptcy doesn't happen, but the reality is that it's more common than it seems. Individuals file for bankruptcy on a regular basis; businesses file for bankruptcy because business owners have no other choice. Filing for bankruptcy can, in the long term, be a good thing. Chapter 7 bankruptcy, for example, allows the filer to have their debts discharged within 90 days, according to Gadebtrelief.org. Below, let's look into some of the reasons why people file for bankruptcy.

1. Lost Employment

Unfortunately, many people file for bankruptcy because they lost their jobs, and are either unable to find a new job, or are unable to find a new job that pays them equivalently. The job market is incredibly competitive, and there is no guarantee that you will find a new job after losing one, and you may have to take a significant pay cut when taking a new position. This can result in people being unable to pay their debts, forcing them to file for bankruptcy.

2. Divorce

Divorce is quite expensive, with many people finding their savings completely depleted by the process. The longer and more argumentative the divorce, quite often the more expensive it becomes. People often file for bankruptcy after a divorce, especially if they are left paying their ex a significant sum.

3. Medical Crises

The healthcare system isn't always set up to be affordable, especially if you don't have health insurance. A serious illness or injury could completely ruin an individual's finances. While medical debt can sometimes be negotiated, at times it's so insurmountable that people find themselves working on bankruptcy preparation.

4. Addictions

Sadly, addiction often leads people to bankruptcy preparation. Addiction is quite expensive; even once people begin to recover from addiction, that in itself is expensive — especially when recovering addicts utilize rehab. Ultimately, this can result in addicts, recovering or other, filing for bankruptcy.

Again, filing for bankruptcy can be emotionally devastating and practically difficult. That being said, you can move forward from filing for bankruptcy. Ultimately, it could be the start of a new life. Reach out to Financial Counseling Center to learn more about what bankruptcy could mean for you.

WARNING SIGNS OF DEBT PROBLEMS

Tue, 30 Nov 2021 15:05:00 GMT

From auto loans, student loans, credit cards, housing needs and much more, the burden of debt can be overwhelming. The question is, do you have an exit strategy?
Ask yourself, “Is debt impacting every day of my life?” If the answer is yes, reach out for professional guidance immediately. Do not let your world continue to sink into the quicksand of anxiety and financial hardship.
Why? Because debt does not have to be your permanent way of life, help is available.

REVIEW SIGNS of DEBT ISSUES

Fear of going to the mailbox
Allowing bills to pile up un-opened
Creditors are calling, sending emails, texting and/or corresponding in writing
Denied credit due to your “credit utilization” rate/ratio which is generally expressed as a percent; it is how much revolving credit you are using divided by your credit limit.
Lying about the purpose of money spent to people you care about
Using a cash advance for emergency funds
Unable to pay more than minimum payments because of lack of funds
Transferring debt from one credit card to another because your charges have used up the entire credit card limit
Emotional spending on things you cannot afford and do not need
Losing sleep due to financial concerns
Feeling hopeless

SOLUTIONS TO FINANCIAL DEBT

Solutions to financial debt begins with the realization that no one is going to fix your problem. But, understanding that there is help is motivating. Also, knowing your current financial situation will not last forever is empowering.
DO IT YOURSELF

Cut debt from your life
Pay more than minimum payment
Use “found money” for debt reduction only, such as, tax refunds + bonus + birthday money
Sell possessions that are not necessities
Study how the pros and cons of negotiating directly with creditor/s

DEBT CONSOLIDATION

Try your Credit Union; goal is lower rate
Compare online lenders promoting debt consolidation; goal is lower rate
Goal is to not incur more debt while paying off debt

NON-PROFIT CREDIT COUNSELING POSSIBILITIES

Create budget guidance
Eliminate late fees guidance
Lower interest rates guidance
Stop Collection calls guidance
Understand impact on credit score

FINANCIAL COUNSELING CENTER (323) 954-4330

Over 3 consecutive decades of experience
FREE in-depth face to face counseling appointment; ask about all your debt concerns such as a creditor lawsuit, wage garnishment, etcetera
Debt negotiation assistance
Filing Bankruptcy chapter 7 and 13 assistance
Loan Modification assistance
IRS debt assistance
Student loan debt assistance

THE WISDOM & FOOLISHNESS OF MONEY MANAGEMENT

Wed, 17 Nov 2021 18:16:00 GMT

EGOCENTRICITIES of MONEY MANAGEMENT

A real estate agent I know often grumbles about buyers unable to qualify for a decent residential purchase loan. One of her past clients enjoyed prime seating for sports and theatrical ‘season’ tickets for years. Their maxed-out credit cards had funded their fine dining, entertainment and travel addictions. Often, they were unable to pay their mortgage for months. In their time of financial upheaval, they were unable to qualify for a refinance loan due to bad credit. A single gentleman with a decent income and athletic prowess hungered for the latest version of jet ski, sailboat, motorcycle and sports car. Unable to insure, maintain or repair his big man toys, his large backyard on a cul-de-sac became a graveyard for his collection. With every story she told, I was reminded how easy it is to make money but how difficult it is to keep or make it multiply. And yet, there are so many educational courses and seminars about money management. What bothered the agent more than anything was their audacity to call her, not their friends or family members, for a no interest unsecured loan.
THE MISER A miser might be a person reluctant to spend their money on comforts and necessities in order to hoard possessions or stash away their cash. The cause may be the frugal mania of those suffering from OCPD (obsessive-compulsive personality disorder). Miserly behavior may reduce anxiety for those with mental illness or development issues arising from a child’s ‘Anal Stage’ which influences autonomy, initiative, industry, identity, intimacy and/or generativity. Whatever the psychological disorder, there is no doubt that a stingy person hates to spend money never becoming a philanthropist or a contributor promoting the welfare or others.

THE COMPULSIVE SPENDER Often referred to as shopping addiction, oniomania, impulsive buying, shopaholism or other such phrasing, compulsive spending is mood-altering behavior consisting of unnecessary, emotion driven and negatively impactful activities. As an addiction, the inflicted spend foolishly even when they want to refrain. As a mental preoccupation, the unhealthy behavior can even progress into discomfort or distress when abstaining. Binges occur. The sensation of euphoria urges the addicted to continue spending regardless of the negative consequences of ignoring responsibilities and obligations. For example; the uncontrollable urge to gamble may begin as a coping mechanism that mutates into a dangerous obsession. Mental health disorders enflaming the situation may include Depressive Disorder and Mood Disorders such as bipolar and anxiety disorders.
THE FOOLISHNESS OF MONEY MANAGEMENT The lifestyle of foolish spending is a Pandora box of loss, grief, trauma, coping, anxiety, depression, shame, denial, guilt, strained relationships, self-loathing, unmanageability, secrecy leading to a double life, the use of blame to justify the mis-management of money, avoidance of accountability, association with other addicts, interactive and legal consequences, powerlessness, hopelessness and helplessness. Whether foolish money management arises from a need of excitement, perfectionism, a sense of emptiness, the need to cope with negative feelings, a history of deprivation, compulsion, impulsivity, significant loss, the need to numb overwhelming emotional pain, or, dealing with rejection or abandonment, the inflicted person can get treatment and take advantage of recovery support that are anonymous, free and run by its members.

WISE MONEY MANAGEMENT The wisdom of money management begins with a focus on the necessities. Eating for health and not pleasure reduces the need for medical expenditures. Contributing effectively to communal living may be the smart way to start one’s independence until a person can set up their individual lifestyle. Analyzing all affordable transportation options for various destinations will provide the information needed to select the most beneficial method. For those living in large cities, often a taxi, Uber, Lift or rental car will suffice. Creating a small but versatile wardrobe, replaceable as needed, in lieu of accumulating assorted styles you will seldom wear or forget that you have is another way to save dollars. Be careful of sales. Purchasing cheap clothing you hate wearing, or, a shirt in every color just because it’s affordable, is not a wise course of action. Always, remember that necessities include money set aside for unwanted surprises such as maintenance and repairs of property or loss of employment. Spending wisely enhances your well-being and security. Prioritizing necessities reveals how much you can set aside for your future, birthdays, holidays, vacations or hobbies. Wise money management is worth the research, study and application.
RESOURCES · The National Council on Problem Gambling Helpline offers a confidential 24-hour helpline. · NIH: National Institute on Drug Abuse · NIH: National Institute on Alcohol Abuse and Alcoholism · CBS NEWS: 5 Ways to Beat Your Shopping Addiction · CNBC: MONEY SPENDER PERSONALIY TYPES · Very Well Mind: Self Help Groups for Shopping Addictions · Bankrate: 15 Passive Income Ideas

THE PLEASURE AND PAIN OF SPENDING

Mon, 01 Nov 2021 06:04:00 GMT

SPENDING PRIORITIES

The Basics are food, clothing and shelter. The problem is overcrowded civilizations are in need of an income to provide for safety and security. When the income is not high enough money is borrowed from financial institutions via credit cards and loans to meet obligations such as rent, mortgage, utilities, maintenance, insurance, transportation, education, medical care…and the list goes on.
Food, to simplify, can be categorized by nutrition or pleasure. Money can be spent on beneficial grains, vegetables, proteins and the purity of water. Or, money can be spent on the delights of bakery items, candy stores, fine dining, assorted sweet or alcoholic beverages, the addiction of fast foods and so much more.
Clothing, to simplify, can be functional or egocentrically fashionable. For example, tennis shoes or leather boots can be worn every day. A pair of shoes to go with each suit or dress is definitely not a necessity. The addiction of wearing something new weekly, if not daily, can easily pile up into a crushing mountain of debt.

THE PLEASURE OF SPENDING

Purchasing toys for children or yourself is often used as a reward.
Purchasing chocolate or haute couture might temporarily cheer you up after a disappointing day.
Purchasing a sports car instead of a sedan might give you the notoriety you crave.

THE PAIN OF SPENDING

Purchasing on credit not with cash makes the debt soar with interest and late fees if your income cannot meet the payback demands.
If unable to pay your debts you are subject to the creditor’s legal right to garnish your wages.
If unable to pay creditors you might be sued by their legal team or a legal firm they hire.
Call Michael A. Dilella, the owner of the Financial Counseling Center, for your free in-depth consultation no matter what caused your expenditures to become unmanageable.

THE PSYCHOLOGY of OVERSPENDING

ISSUE: lack of a decision-making process to prevent overspending
ISSUE: no desire or ability to implement practical strategies such as a budget
ISSUE: emotional action overriding logical action when managing one’s money
ISSUE: stress igniting a need for a moment of tangible happiness
ISSUE: self-esteem issues causing an unreasonable need to impress via entertainment or possessions
ISSUE: purchasing beyond one’s ability to maintain the condition of the goods such as a boats, vehicles, real estate, closets of clothing in need of washing, dry cleaning or mending…and the list goes on and on.
ISSUE: denial of indebtedness leaving no money for dental care, medical care, child care, roof repair, car repair...etcetera.

SPENDING SOLUTIONS TO CONSIDER

List priorities
Prepare budget
Set up emergency fund
Purchase what is needed not desired
Pay with cash
Save money in accounts with no early withdrawals
Never forget the REGRET of purchasing irresponsibly
Learn how to exercise self-control in all areas of your life which can be structured as a very fun challenge.
Never let emotion determine your purchases. Be mindful of what will steadfastly enhance your life in lieu of being snared by shifting moods of greed, instant gratification, addiction…etcetera.
With each penny you spend, focus on practical and productive long-lasting benefits.

CRUSHED BY DEBT?

Sat, 30 Oct 2021 18:03:00 GMT

BUILD A HEALTHY FINANCIAL FOUNDATION

TOGETHER, LET'S CHANGE YOUR LIFE!

Never hesitate to reach out in time of need.
Learn how knowledge reduces financial anxiety.
Act upon fact and never upon myth or assumptions.
Be very clear about the nuances of any debt resolution strategy.
Consider taking action before wage garnishment commences.
Consider taking action before a creditor initiates a lawsuit against you
Begin with Michael A. Dilella's free in-depth consultation at his Financial Counseling Center to learn the pros and cons of filing bankruptcy chapter 7 or chapter 13, as well as, negotiating debt settlements per your situation.
Get excited about embracing the relief you will garner when you understand the process of moving out from under the crush of debt to re-establish a financial foundation.

YOU DESERVE TO RISE ABOVE & AWAY FROM THE CRUSH of DEBT

Do not allow anyone to take advantage of your predicament.
Before hiring any debt resolution company or attorney, explore Financial Counseling Center's free online resources. Learning more about Michael and his company, compared to others, will help you understand that his free consultation will direct you toward strategies producing results.
By the time you are ready to hire your company of choice, never forget that the Financial Counseling Center offers more for less with the full professional and responsive service you need and deserve. When it comes to managing your finances, time is of the essence!
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LEARN ABOUT DEBT RESOLUTION RESOURCES & STRATEGIES

Thu, 14 Oct 2021 22:48:00 GMT

COMPREHENSIVE DEBT RESOLUTION RESOURCES & STRATEGIES

When you are struggling through a difficult financial situation, you don't have to face it alone. Here, at the Financial Counseling Center, we will provide you with quick, competent, and appropriate assistance enabling you to move forward toward a debt free lifestyle.
Whether it's your personal or small business finances in need of improvement, you can count on us to evaluate your current situation and offer solutions. With over three decades of experience, we provide the following …

WE LISTEN TO YOU: First, we get you to relax so we can focus on your concerns, questions, and needs. WE EDUCATE YOU: Within the finite realm of applicable and legal resolution, we make sure you understand what is or is not doable. WE GUIDE YOU: Removing the myths others have led you to believe, we make sure you have the facts you need to make the best decisions as you move forward. WE STRATEGIZE WITH YOU: When you hire us, we will make sure you comprehend the strategy we will implement on your behalf. WE ACT UPON YOUR BEHALF: To remove the unbearable stress of creditors disrupting the hours of your day, we will professionally discover their demands and embark upon our agreed upon process of resolution. WE KEEP YOU INFORMED: You will be updated on the progress to avoid confusion or doubt which will decrease your stress as each action is completed.

FREE CONSULTATION: Within the recommendations or requirements of covid-virus prevention, the goal of your free financial consultation is to decide which course of action is best for you. Do you need to be referred to a specialist, such as a tax attorney? Is debt negotiation your best option? Would you benefit from filing a Chapter 7 or 13 Bankruptcy? Do you simply have a few questions we can answer regarding specific individual or business financial concerns? Whatever your need, never hesitate to call for your free consultation with the Financial Counseling Center: (323) 954-4330. DEBT NEGOTIAION: After your initial free consultation, debt negotiation begins with a letter of representation prepared by the attorney’s paralegal. A representation letter will be sent to each creditor or their 3rd party representation with the intent to direct further communication to the attorney in lieu of your residence or place of employment. Determined by your financial situation, strategies to negotiate settlement agreements on your behalf will be activated. FILING BANKRUPTCY: After your initial free consultation, you will return for a DISCOVERY appointment with the attorney’s bankruptcy paralegal. Based on the documentation you will be instructed to bring, the paralegal guides you through the court’s Means Test, a series of questions, to discover if you qualify for a Chapter 7 or a Chapter 13 Bankruptcy filing. The results will be reviewed by the attorney to make sure all legal requirements have been met before the next step is taken. These initial meetings will give you the confidence to make the best decisions regarding your situation.

LEARN MORE ABOUT FINANCIAL COUNSELING CENTER'S SERVICES (323) 954-4330:

Debt Reorganization
Debt Settlement
Disputes
Foreclosures
Improving your FICO Score
Mortgage/Modification Assistance
Small Business Advisor
Student Loans
Tax Issues

WHY FCC OFFERS FREE CONSULTATIONS: Are you curious how the Financial Counseling Center makes a profit while assessing your financial situation at no cost or obligation?

The moment you realize we want to protect you from scams or inadequate service providers, you will be more willing to refer others who might benefit from our debt resolution strategies.
The moment you realize you can take the knowledge imparted to implement on your own, you may be happy to write a review of appreciation on our YELP page.
The moment you realize we offer great customer care at reasonable rates you will think twice about hiring an expensive legal team whose priority is not about making your financial life better.
The moment you realize we take time to educate you so you can make empowering decisions, you will be more likely to hire us to represent you.

Together, let’s change your life!

WHAT ARE THE BENEFITIS OF FILING A BANKRUPTCY CHAPTER 7 OR A BANKRUPTCY CHAPTER 13?

Thu, 14 Oct 2021 22:48:00 GMT

CAN FILING A BANKRUPTCY CHAPTER 7 OR A BANKRUPTCY CHAPTER 13 ALLEVIATE FINANCIAL DISTRESS?

Yes! Filing a bankruptcy chapter 7 or a bankruptcy chapter 13 can alleviate financial distress. Michael A. Dilella, Jr., the owner of Financial Counseling Center (FCC) in Los Angeles, has conducted thousands of free in-depth consultations to explain the benefits of filing a bankruptcy chapter 7 or bankruptcy chapter 13 over three decades. Don't hesitate to call (323) 954-4330 for your private appointment. Here are a few examples of questions you might want answers to;

Will bankruptcy effect my ability to become a citizen if I have a green card?
Can I lease or purchase a new car prior to filing for bankruptcy ?
How much money can I have in my bank account when I file for chapter 7?
Do I need to owe a certain amount of money before I can file for Bankruptcy?
If I file for bankruptcy and I have a co-signer will they be affected by the case?
If I’m an authorized user ‘with’ someone who is filing for bankruptcy am I going to be affected?
Will my ability to become a citizen be affected if I file a bankruptcy?
Will I have to close my bank accounts if I file bankruptcy?
Will I lose the real estate I currently own when I file bankruptcy?
Will I have a problem getting a job after filing bankruptcy?
Can I purchase property after filing bankruptcy?
Will a bankruptcy filing affect my retirement?
Debt consolidation versus bankruptcy chapter 7; which is best for you?
Are your student loans dischargeable in a bankruptcy chapter 7 filing?
Why should you avoid credit repair?

For bankruptcy details, Michal A. Dilella, Jr.'s video playlists can be found on youtube.com . When you're ready, don't hesitate to call for your free in-depth consultation; (323) 954-4334. Below are few testimonial 'synopsis' as a result of the bankruptcy guidance and assistance Michael and his team provides; or go to YELP .

No amount of questions are too many for Tamara & Michael; soon, the ordeal became stress free.
Their kinds words of encouragement helped me through the process.
They treated me with respect. Motivated, I moved through the process and my embarrassment vanished.
They deserve 5 stars all the way, in every category of debt resolution.
FCC is amazing. I was lost and had no idea what to do or where to start. Michael’s YELP responses to my questions stood out beyond other services/attorneys.
Very straightforward, made sure I understood options, informative, no pressure, never pushing for a sale. Very responsive, reassuring, I 100% recommend him.
Best advice, they care giving full attention to issues to present options for solutions.
Timely, informative, legit, professional, straightforward, honest and not pushy which is so RARE today!
Incredible experience! Michael/FCC went above and beyond to help us when the pandemic shut our business down.
Suffocated by bills? Financial hardship? Harassed by creditors? Michael did the impossible for us. We went in for a free consultation and walked away with a complete plan. Within 6 months I was debt free. He negotiated, pleaded, worked and worked. Our stress is gone, lawsuits stopped…now we can concentrate on living even during the worst pandemic of human history we have hope for our future. Call him to change your life for the better.
I had no idea Financial Counseling Center's services were available. Michael changed my family’s life as he explained the laws and options. He and his team get straight to the point, take action and they’re affordable.
Afraid of attorneys? …call Michael Dilella, the owner of Financial Counseling Center, to be put at ease and get the help you need. Learning about and selecting the best options to resolve your financial situation you will experience their kindness, honesty, care and generosity with time...they never making you feel that you are wasting their time. They deserve more than 5 stars. So happy to have found them.
Grateful to connect w/Michael-FCC. His expertise erased anxiety as his solutions gave me control over my financial future.
Impressed by their efficiency, thoughtfulness, guidance…all reduced my stress.
If you are overwhelmed with debt and scared, call Michael! I was taken advantage by other consultants but Michael was warm, helpful, never judgmental and he had solutions never dropping the ball. Don’t live in FEAR or anxiety, call Michael…he will go above and beyond to help you.
I had HUGE problem; he was honest, caring, diligent, knowledgeable, thoroughly answered questions and gave applicable solutions ending in resolution. I feel lucky to have found him and his staff. I was not hustled, they were affordable and worth every penny.
Read his stellar reviews , all true, he is honest, supportive, affordable, did what he said he would do without fail…I don’t think anyone could have provided better service.
Tremendous help; patient, honest, direct, fair, trustworthy giving pros/cons of options and now I have FREEDOM from debt and very happy.
My journey of working on finances found Michael & his team patient and understanding over an entire year.
Financial ghosts came back to haunt me. Thankful for the goodwill and personal support provided by FCC
Are you experiencing anxiety & stress over your financial situation? It is never easy to deal with overwhelming debt or financial troubles. FCC is the one to go to.
The FCC team is honest, affordable & easy going.
Buried in debt, I thought there was no way out. At my wits end, so desperate, I thought I had to sell my home. FCC put my mind at ease. Michael A. Dilella, Jr., is knowledgeable, experienced, friendly, caring…a GODSEND! He guided, advised, comforted, saved my house…call him to get your life back on track.
Financial Counseling Center sincerely cared about me and my family. If you are in a financial bind FCC is where you will get help. They changed our lives for the better.
Have you ever felt suffocated, helpless and in need of a 2nd chance? Trust me, call Michael A. Dilella, Jr., the owner of Financial Counseling. Let him get you out of your financial mess and save you. I had never ending bills for over a decade…trapped in the rat race. Now, I can breathe and live without worry. Get rid of the stress, it sucks! Just call.
They were generous with their time when I was in financial distress and out of work as they presented me with the best options to remedy my situation.
Financial Counseling Center is amazing! …so helpful and understanding!
Michael is the best, on top of everything, saved me thousands of dollars. The Financial Counseling Center team is kind, understanding, respectful…a pleasure to work with.
Michael has exceptional skills, very professional, knowledgeable and extremely compassionate. In other words, reasonable, empathetic, kind and produces results.
Michael is honest, clearheaded, strategic and keeps his promises.
Straight shooter, no BS! Presents options, step by step guidance…I was happy to pay his fees. I felt comfortable & confident throughout the process. His free consultations have helped other family members.
Michael and Tamara Dilella are caring, efficient, reassuring…Michael is genuine, great listener, caring…clear about pros and cons of each option. He is a problem solver, a guardian angel alleviating anxiety and stress as rational solutions played out. If you call and they do not pick up, do not worry, they will call back ASAP and help!
My bad, but, Michael Dilella showed me a way out of the situation I created. He cared! It felt like a friend helping me out. My free consultation was over an hour long. He gave me so much advice but I chose to hire him and he did an amazing job.
I was frustrated, so much debt, Michael A. Dilella answered all my questions…he was a lifesaver. Throughout COVID 19 restrictions, he was responsive throughout the debt settlement process.
Surprised by the INDEPTH free consultation and the amount of information, I instantly felt relief and felt optimistic about our future.
Lenders & collection agencies can be cold & heartless, but, Michael A. Dilella, Jr.'s responses are prompt, he is flexible, clear, realistic, courteous and his service has great value.
Free consult was more than expected and level-headed options were given and I was comforted by Michael's sincere interest in my situation.
It was not an easy road but Michael and Tamara Dilella stayed with us through all the ups & downs. They were honest, direct and had solutions for our dilemma.
Gratitude is not adequate for the help I received. They unraveled each complication professionally with results.
It was a very scary decision when I decided to file bankruptcy. Financial Counseling Center's team was so caring & understanding, taking time to make sure I understood the bankruptcy process thoroughly. They are professional, organized, knowledgeable…I was in good hands and you will be too.