Nearly everyone in America, both the company and the individual depends on credit for their financing. Credit makes goods and services available to people who would otherwise not be able to attain them. The availablilty of credit raises our standard of living. Problems occur in the management of credit due to unforseen circumstances affecting income and the management of credit and/or debt. Our professional, certified counselors are knowledgeable and skilled at recognizing avenues to help you resolve your financial concerns, protect you from the embarrasement of legal action and the possible garnishment of wages, and from persistent collectors calling or knocking at your door demanding payment.

How Can Hawaii Credit Counseling Service Help You?

Hawaii Credit Counseling Service offers a repayment plan with your creditors, mastercard, visa, department stores, medical and professional bills, banks, etc. In almost all cases your creditors will help you by accepting a win/win proposal, waive late and/or service charges and occasionally even reduce or waive interest charges.

How Does This Program Work?

Hawaii Credit Counseling Service receives the mutually agreed upon amount of payment from you each month. Your payment is deposited into a local trust fund bank account and payments are made out to each creditor. Hawaii Credit Counseling Service keeps a complete accounting record and documentation of all you deposits and payments as well as any correspondence on your behalf. The charge to handle the expense of accounting, stationary, postage, correspondence, documentation, and monitoring on your behalf is $20.00 to $35.00 per month depending on your creditors, and waved for hardship.