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Best Debt Consolidation

  1. CareOne Services
  2. CuraDebt
  3. Debt Consolidation Care
  4. Equifax Debt Wise
  5. DebtGoal
  6. Delray Credit Counseling
  7. ACCC Consumer Credit
 

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  Delray Credit Counseling - Star Review  
     
 
 

 
Delray Credit Counseling Star Ratings  
Member Reviews (6) Email This Review
 
Free Debt Analysis: Delray Credit Counseling

Delray Credit Counseling is a non-profit educational service dedicated to providing consumers with the financial education and resources they need to relieve their debt situations. They were one of the first debt consolidation agencies we turned to when creating our debt consolidation reviews. We really wanted to see how Delray Credit Counseling compared to the other services on the Web.

What's New with Delray Credit Counseling?

  • A wealth of helpful debt, credit and financial information.
  • Combine all unsecured debts into one monthly payment.
  • Referrals to other useful business and services.

StarReviews' Favorite Delray Credit Counseling Feature:


The thing we enjoyed most about Delray Credit Counseling is the fact that its non-profit roots allow it to be primarily focused on consumer education. This means that the website is more centered around helping individuals learn more about debt and money solutions than just getting their business. We also liked browsing the wealth of information provided on the site regarding charities, home buying, and student debt.

The Delray Credit Counseling Experience:


From the very beginning, Delray Credit Counseling makes it clear that it exists to help individuals suffering from financial stress. The first sentence of the homepage states “Delray Credit Counseling offers consumers free ongoing credit counseling services and educational materials, regardless of whether or not consumers enroll in the DCC debt management plan program.” This information helped build our confidence in the organization’s services right from the start.
        
The site lists a number of features in its left-hand menu bar, including money resources, tax assistance, and credit reports. We found the range of services on the website to be quite thorough, spanning a wide range of debt relief tools and options. Because Delray Credit Counseling is not-for-profit, they provide many more offsite resources to aid in debt management than their competition, which we found to be a great help.

Another positive aspect about the Delray Credit Counseling experience is the collection of user testimonials, local events, and debt blogs. These contribute to a more interactive experience than a lot of other debt consolidation websites have to offer. We were also entertained by the Interesting Money section, which included articles on 12 Amazing Facts About Credit Card Debt and 24 Amazing Pictures of Money.

Delray Credit Counseling Features:

  • Debt consolidation and credit counseling.
  • Debt articles and educational services.
  • Student debt information.
  • Interesting Money articles.
  • Credit Reports, budget assistance, and tax assistance.
  • Home buying advice.
  • Outside debt resources and links.
  • Information on local charities associated with Delray Credit Counseling.
  • Events list.
  • Newsletter, testimonials, and debt blog.
  • $2,000 Minimum Debt required to consolidate

Delray Credit Counseling Pricing:


While Delray Credit Counseling does charge fees for the debt management program, the information on the site is free and so are referrals.
    

Delray Credit Counseling Customer Service:


Delray Credit Counseling offers customer service via a debt consultation form and via e-mail address. A toll-free help line is also open Monday through Thursday from 10:00 AM to 10:00 PM EST, and Fridays from 9:00 AM to 4:00 PM EST.

Phone support was easy to access with a hold time of less than 2 minutes and email support was just as prompt. Delray got back to us within hours of receiving our request. Overall, we were very pleased with Delray's support, we'd just have liked to see more online knowledge and FAQs available.

Upside:

Wealth of information, focus on education, free newsletters, blogs, and events.

Downside:

No FAQ info.

 
     
 
 
  Delray Credit Counseling Member Reviews  
     
 
Member Rating
    (Based on 6 Review)
Leave a Comment Read Star Review
 
They make you sign document without giving you the chance to read through. Your payments increase without notice. You can end up paying two what you owed initially. All the employees are trained to dupe you. Never use these thieves for any transactions. Try to manage your debt alone. These idiots will put you into deeper troubles.
First they tell you your payment will never go up anf you sign a contract agreeing to that payment amount. They breach the contract, without notice, increase your payment but you don't know that until you see your bank statement. It goes up once, you call complain, and they give you some excuse about "added fees from creditors" however you never see the payments to your creditors increase or these mysterious "fees". Your payment goes up again 3 months later. They give you the same song and dance. Now your payments are late getting to your creditors, they have no idea why of course..the payment date never changed but delray isn't getting the payments out on time and now you are getting nasty grams again from your creditors. I am not at all impressed with customer service. Once they enroll you, you can't call and talk to them when you need to and the online account information is seriously lacking. If they are going to increase your payment, they need to be able to show you where it is going and not give a bunch of empty excuses to keep taking it. Oh and the first "down" payment they promise will get used against accounts as necessary in the first payments...no that doesn't happen.
Delray Credit Counseling is a non-profit educational service that offers a variety of financial educational services. Ranging from non-profit free credit counseling, debt consolidation, budgeting, understanding credit reports and scores as well as understanding credit card charges. Delray Credit Counseling services the Debt Management Program (DMP) offered to consumers by the banks and finance companies. This program combines the accounts a consumer is looking to include into one monthly payment and the interest rates are typically reduced or eliminated. If a consumer's accounts are being billed late or over-limit fees those will stop once the account are set up into the DMP.

There are also too many resources offered on the website. The website offers for comprehensive material on subjects such as Budgeting, Credit Reports, Credit Scores and Understanding Finance Charges. The website also provides for extensive links to resources to assist consumers in finding the answers they need on topics such as Taxes and Home Mortgages.

This all makes it a good service provider.

I give it 4 stars rating.
 
   
 
 
 

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