New York Consumer Credit Counseling Services | Consumer Information

New York consumer credit counseling services is one of the most appealing, valuable and short-term solutions to anyone who wishes to secure a debt free future. These agencies also help you consolidate your debt, set up a repayment plan, and make arrangements to let you keep part of your income. The agencies also “teach” you to stay out of debt in future situations.New York consumer credit counseling services is one of the most important requirements for consumers these days for unsecured debt continues to burden individuals and families. Unsecured conditions are mainly due to personal loans, unforeseen medical bills, huge credit card debts, and unplanned educational expenses.The professionals at the New York consumer credit counseling programs will analyze your financial information including your income, expenses, existing debt, and general financial situation to outline a plan that can help you regain control of your financial life. By closely assessing your debt situation, they are able to determine the best debt consolidation solution and discuss the plan with you that would meet your needs.


How does the New York Consumer Credit system work?What people first need to know to better understand how the New York consumer credit process really operates is that counselors do not renegotiate the overall amount of your debt which is the total balance owed to the creditors. They negotiate with the various lenders to decrease your interest rates. I.e. let’s say that a client has to pay 17 percent on the charge card you need help with (some stores still charge as much as 20 percent). One of our credit counselors will contact the card holder and negotiate a lower interest rate, sometimes as much as half the original rate.If I start paying right now through the New York Consumer credit program will I be debt free in no time?It is not that easy because your minimum payments will still be split on an 80/20 split (not always), meaning that 80 percent of your monthly payment will still go toward paying interest on the card and the 20 percent left will got to the principal. We, as the New York consumer credit counseling team, advice people to try and make a little more than the minimum payment in order to reduce the principal. In the long run it will translate into lots of savings.Why does the creditor accept the deal proposed by the New York consumer credit counseling services?The deals made by the New York consumer credit team are accepted for two simple reasons: The creditor is only interested in getting his money back even if that means losing part of the interest charges. In the long run, the creditor will receive a lot of money due to the deal made by the New York consumer credit counseling team. But in order to keep debtors paying, the creditors need to agree to reduce interest charges and make considerable deals. The second reason is because the lender is making a profit out of this anyway; though not as good as he would have liked. What is important to him is to avoid debtors filing for bankruptcy because that will for sure affect the creditor. However, the person will certainly end up paying the debt but the deadline will be longer and that is what the lender tries to avoid.The New York consumer credit counseling service has several extra services that can help the lender. One of those is the Housing Counseling, a service aimed at helping clients with issues concerning their housing needs. For instance, when a family considers borrowing money (applying for a loan) in order to start a new home, they can ask for assistance from the New York consumer credit counseling program and evaluate whether this is a financially sound action or not.


The New York consumer credit counseling program offers services beyond the Debt Management Program. It offers assistance with money management, debt reduction plans you can handle, counseling and free educational programs. Everyone can receive debt consolidation advice from the New York consumer credit team of counselors as they seek to educate people and give them the skills they need to achieve a better financial situationHere we have different articles of interesting topics, current and former clients’ experiences with our programs. Take a look at the different New York consumer credit situations on debt related topics and how to keep yourself a debt free person.

Discount Health Cards-Consumer Driven Health Care | Consumer Information

Discount Health Care Cards-Consumer Driven HealthcareWhat are discount health cards? Discount health cards provide one part of the solution to the nation’s healthcare crisis by enabling consumers to purchase healthcare products and services at discounted retail rates. Discount health cards are not insurance and are not intended to replace insurance. In fact, many consumers choose a discount card to complement their health insurance program, filling in gaps such as prescription drug benefits or vision care.Why Choose a Discount Health Card? Discount health cards are NOT insurance.Discount health cards enable consumers to purchase healthcare products and services from providers at discounted prices, similar to the rates that healthcare providers charge wholesale customers such as preferred provider networks (PPOs) or large insurance plans.Many consumers choose a discount card to complement their health insurance program, filling in gaps, such as prescription drug benefits, chiropractic care, dental or vision care.Discount health cards have gained popularity because they provide consumers access to the healthcare they need without the limitations, exclusions and paperwork associated with insurance plans.In addition, discount health programs typically include the cardholder’s entire household.How You Benefit with a Discount Health Card? Discount health programs, or discount benefits cards as they are sometimes called, were created to help bridge the gap for consumers burdened by the increasing cost of healthcare by providing opportunities to directly purchase healthcare services and products at discounted retail rates. Discount cards offer:Access: Individuals and families without insurance can use discount programs to receive access to and substantial savings on health care services such as doctor visits, hospitalization, prescription drugs, eyeglasses and dental care that they might otherwise not afford.


Affordability: While insurance rates have increased at double-digit rates over the past 12 years, discount card providers have kept their rates virtually unchanged.Savings: Those with limited insurance, the under-insured, and insured individuals with high deductibles can reduce out-of-pocket expenses and receive discounts for services not normally covered by insurance such as chiropractic care.Choice: In some cases, consumers with discount health cards pay less for services such as dental and vision care than those covered by traditional insurance plans.Convenience: Discount programs are accepted at some of the nation’s largest healthcare retailers including national pharmacy and optical chains. While each program varies, many companies offer programs with providers that include:* Pearle * LensCrafters * Medicine Shoppe* Eckerd’s * Safeway * Wal-Mart* Sears * Target, and many more!What types of services are typically included by discount health cards? Discount health cards include a wide range of services and products including dental services, prescription drugs, vision care, chiropractic procedures, hearing care, physician/hospital & ancillary services, nurse medical information lines, vitamins and emergency care for travelers. Choose a program that offers discounts on services that you need and that you will use.Who should use discount health cards? The wide array of choices in the discount health card industry and the many discounts available make it possible for everyone to enjoy the benefits of discount health cards. Discount health cards are designed to provide benefits for a wide-range of consumers. For individuals and families without insurance, discount health cards offer substantial savings on healthcare services such as doctor visits and on everyday health related expenses including prescription drugs, eyeglasses and dental care that they might otherwise not afford.For those with limited insurance, the under-insured, and insured individuals with high deductibles, discount health cards can reduce out-of-pocket expenses and offer discounts for services that may not be covered by insurance such as chiropractic care.In some instances, discount health cards for ancillary health services and products such as vision, dental and chiropractic care offer services at overall out-of-pocket costs lower than insurance co-payments.For these reasons, many of the country’s Fortune 500 companies now offer discount health cards to their employees as part of their benefits packages.How do consumers get discount health cards and how do the cards work? You can obtain discount health cards either through your employer, an association, union, or another entity with which you are connected or you can go directly through a reputable discount healthcare program.Signing up for a card is easy. Complete an application and pay a nominal monthly fee. In some instances, your employer will pay the fee. To access care and receive savings, a cardholder must simply provide the card to a participating provider at the time health services are rendered and pay the discounted fee.How do discount healthcare programs offer such benefits? Discount healthcare programs enable members to access similar rates that healthcare providers charge wholesale customers such as preferred provider networks (PPO) or large insurance plans. The difference is that instead of financing the medical expenses of members by charging high monthly rates, consumers agree to pay a discounted fee to the provider directly at the time of service.What is the difference between discount health cards and health insurance? Discount health cards are not insurance. Card companies who indicate otherwise are not being truthful. Unlike health insurance, there is no sharing of risk by the consumer and the discount healthcare company.


Discount health cards afford consumers the opportunity to directly purchase health care services and products from providers at amounts discounted below their retail rates. Cardholders are required to pay the provider’s discounted fees in full at the time healthcare services are rendered or as dictated by the provider’s agreement. Consumers are free to make their own choices about which services to purchase and from whom to make those purchases.Insurance plans, on the other hand, define specific benefits available to the consumer at rates determined by the plan purchaser. Insurance plans also pay health care providers on behalf of the consumer.Do I still need insurance if I have a discount health card? That’s a decision each consumer must make. Discount cards and insurance plans frequently provide complementary benefits. That is why many of the nation’s leading companies offer their employees both insurance plans and discount cards. Each individual should evaluate his or her own health needs and the various benefits offered by each type of program.Why has there been controversy surrounding some discount health card providers? Millions of consumers have embraced discount health cards because of their value and simplicity. This popularity has led a number of companies to enter the discount health card business. Unfortunately, not all of them are reputable. Some card providers charge steep up-front fees or promise dramatic savings they can’t deliver, while others bombard consumers with misleading and confusing sale pitches.For more information and clarification contact:Alan Masters800-795-6823 Toll Free530-318-6971 Cell[http://www.alanmasters.com] [email protected] email