1. What is Credit Counseling?

As opposed to repair, I educate my clients on financial literacy and mind set. This includes budgeting and realizing how you got into the ‘situation’ and the work it takes to get out of it. Sometimes credit counseling will not work and I will let you know that too. However, expect to become an ‘expert’ at your relationship with your money and how to create Legacy Wealth.*

*Long-term personal financial goals for you and your estate. I will recommend trusted resources once you have achieved credit stability.

2. What's the Difference Between Credit Counseling and Debt Consolidation?

Debt consolidation just deals with what is owed. To date, I cannot recommend a debt consolidation company, although I am sure there are reputable companies out there. Counseling involves everything that is derogatory on your credit reports, what may be outstanding now before it appears on the reports and how to qualify for a mortgage or business financing.

3. How Long Does It Take for Credit Counseling to Work?

The length of time is unique to every person. It depends on what is on your credit report, money to apply to the problem and your desire to get it done. However my services are for a year because most issues can be cleared up within that time period.

1. Where Should I Get My Credit Reports?

You should get them directly from This is where each of the bureaus store their information.

2. When Do Things Come Off My Credit Report?

Derogatory items age off your credit report 7-1/2 years from the date of first deficiency (default). The original default and all subsequent collection agency entries are included in that reporting period.

3. How Do Late Payments Affect My Credit Score?

First, there isn’t a legal way to remove late payments if they are accurate. It is your report card of how you paid. Yep, a semi-permanent record. However, you can offset how they affect your credit score. In a nutshell, 30 and 60 day recent and/or isolated late payments diminish your score temporarily. You can still get a mortgage. However, 90 day lates or continuous late payments tell an entirely different story. You will not be able to qualify for a mortgage or most other credit items except at a higher interest rate. If your finances make sense, but you are not paying on time, you need to set up a system. If you need assistance, I can help.

1. Pre-qualify yourself.

Click here to pre-qualify yourself. We cannot begin with my services until you are pre-qualified. If you have further questions regarding pre-qualification, please contact me.

2. Choose a service plan.

After you have pre-qualified yourself you may select the best service for your situation. You can view my services by clicking here.

2. How Many Calls Are Considered Creditor Harassment?

3. Bankruptcy: When Should I Consider It?

If you are currently overwhelmed by debt and are seeking a solution, bankruptcy is an option you may wish to consider.  Whether a total discharge of the obligation to pay unsecured debts or a repayment plan that enables you to get a handle on secured debts, this may be a solution. Yes, the credit consequences are severe and this is why you should get counseling. If you reside in Pennsylvania or Massachusetts, Brewington Legal can help you explore your options and determine the course of action that will be most beneficial to you.

4. Lease Purchase: Will This Work For Me?

If you qualify for credit counseling, perhaps you should consider a lease purchase contract for a home. Many people find it difficult to save for a home while renting. If you are interested, I know a few real estate agents and investors who have inventory. Let me assist you in this process while getting your credit in order to obtain a mortgage.