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Delray Credit Counseling

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Mark Cappel
UpdatedDec 8, 2022
What Does Delray Credit Counseling do?

What Does Delray Credit Counseling do?

Delray is a good and ethical firm that does a form of Debt Consolidation that is referred to as credit counseling.

Delray Credit Counseling specializes in debt consolidation and credit counseling services - which is usually used to lower monthly payments and to get debt free faster than just paying minimum payments on unsecured debts such as credit cards.

Good luck.

I hope this information helps you Find. Learn. Save.

Best,

Bill

Bills.com

VIDEO: Credit Counseling - What is Credit Counseling?

Dealing with debt

Mortgages, credit cards, student loans, personal loans, and auto loans are common types of debts. According to the NY Federal Reserve total household debt as of Q2 2022 was $16.15 trillion. Housing debt totaled $11.71 trillion and non-housing debt was $4.45 trillion.

According to data gathered by Urban.org from a sample of credit reports, about 26% of people in the US have some kind of debt in collections. The median debt in collections is $1,739. Student loans and auto loans are common types of debt. Of people holding student debt, approximately 8% had student loans in collections. The national Auto/Retail debt delinquency rate was 4%.

The amount of debt and debt in collections vary by state. For example, in Alaska, 17% have any kind of debt in collections and the median debt in collections is $1868. Medical debt is common and 4% have that in collections. The median medical debt in collections is $456.

To maintain an excellent credit score it is vital to make timely payments. However, there are many circumstances that lead to late payments or debt in collections. The good news is that there are a lot of ways to deal with debt including debt consolidation and debt relief solutions.

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10 Comments

SSandy Swiss, Jun, 2010
I've heard numerous bad things about debt counseling services and naturally was reluctant to give Debt Guru a try. Their employees are knowledgeable and their company is registered and certified.
BBill, Dec, 2009
Call DelRay and request a manager. Ask them what they can do to rectify the situation and share your frustration.
llinda l denney, Dec, 2009
how can i get rid of them they have my check and i know that i can cancled that delray lied to mei thought it was a pay off not pay my bill in full
LLaura Schwalm, Sep, 2009
PLEASE!! ANYONE LISTENING DO NOT EVER GET CAUGHT UP IN DELRAY CREDIT COUNSELING. AFTER TWO MONTHS OF WAITING I CALLED ALL MY CREDITORS AND NOT ONE OF THEM EVER GOT A CALL FROM DELRAY. THEY JUST CONTINUED TO TAKE MY MONEY AND SAT ON IT! THEY WERE WAITING FOR THE ACCTS TO BE A CHARGE OFF THEN THEY WERE GOING TO START CALLING AFTER MY CREDIT WOULD HAVE BEEN RUINED. I CAUGHT IT JUST IN TIME. ANYONE HAVING TROUBLE PLEASE CONTACT THE ATTORNEY GENERAL. THEY GOT ALL MY MONEY BACK IMMEDIATELY. DELRAY TRIED TO KEEP IT UNTIL I GOT THE ATTORNEY GENERALS ON THEIR ASS TEHN THEY PAID UP REAL QUICk. THERE ARE A TON OF THESE COMPANIES IN FLORIDA SCREWING PEOPLE. BE CAREFUL!!!!!!!!!!!!!
BBeth Gattenby, Mar, 2017
I am with this company and I keep getting notices my payments are late they are suppose to help my credit , they said they just do that still send bills and try to get more money
DDaniel Cohen, Apr, 2017

You need to call Delray Credit Counseling directly, at (800) 982-8445, to find out what is happening with your account.

BBill, Aug, 2009
Good points Claunda, thanks for your input.Clearly, each consumer needs to do their homework and make sure that: i) first, they select the best debt resolution strategy; and, ii) secondly, that they select the best firm for providing that solution. Bills.com
CClaunda, Aug, 2009
Nice comment Bill, I like how you say that it is "referred to" as credit counseling,great choice of words. Under the guise of "non-profit" the place is run like a sales call center with quotas for consolidation enrollments and referrals to "for profit" debt negotiation services. Most incorrect of all is that consolidation payments will be reduced, generally they WILL NOT BE reduced but interest rates MAY BE thus allowing the debt to be paid off sooner. WHAT THEY DO NOT SAY IS---There is a monthly fee of $39 that they collect....so if they get reduced interest rates (varying by card holder)down to 6 or 9 percent, and I would use the highest in figuring since there is no guarantee and then add back the fee of $39 on say a balance of $8000 (that would be like adding back 6%), you are now back up to 15% (DO THE MATH, THEY COUNT ON YOU NOT DOING THE MATH, AND DON'T TRUST THEIRS BECAUSE IT IS WRONG, They tell you that you can cancel any time but they don't tell you there is a fee for canceling and once enrolled you have already lost the ability to use the cards and the ability to negotiate for yourself. LASTLY...don't know Bill why you would tell anyone to call a manager instead of customer service...Have you never been to a car dealer?...The MANAGER is the turnover guy who is supposed to SELL, SELL, SELL you, just in case the "counselor" hasn't.
BBill, Feb, 2009
That is too bad Tamara. I would suggest calling DelRay and requesting a manager. Ask them what they can do to rectify the situation and share your frustration.Most imporantly, good luck sorting it out and hang in there.
ttamara schuster, Feb, 2009
DO NOT USE Delray Credit solutions!!! I wanted to cancel their services and spoke to customer service. They assured me that i would not be charged and then was! When I called back to resolve the matter they told me I had called to confirm my account, even though I had not given them any of my creditors info and refused to resolve the matter!!