Clearpoint Credit Counseling Solutions

My fairy tale took a surprising turn for the worse when my Prince Charming turned into a chronically unemployable leech, leaving this damsel in distress with a great deal of credit card debt after our divorce.
Flash forward to now. Nobody ever wants to make that phone call. I mean, who honestly enjoys calling your creditors? Reaching out for help only to be put on hold for hours/​have your calls disconnected/​transferred to the wrong department – all for the privilege of conversing with the surly CSR in cardmember services who talks to you like you’re a serial puppy killer for making a late payment.
After about half an hour of getting nowhere with my credit card company, I was transferred to Clearpoint, and braced myself for more of the same. But it was nothing like what I’d anticipated. I got transferred around and spoke with a few different people, sure, but every single person I interacted with was just SO nice. Ridiculously nice. The kind of nice you can’t even fake. The counselor working with me was really encouraging, professional, and treated me like a human. I’m not an evil villain, I’m not incompetent, I’m just a girl who came across some less than ideal circumstances. Being in debt is shitty. We know that. But still, what a breath of fresh air to be treated with dignity.
Most importantly, I got squared away with a realistic plan to squash that debt, all my questions were answered, and the pros and cons of the debt management program were explained thoroughly. I actually felt happy when I got off the phone. Happy? Seriously? We talked about my stupid debt for an hour and I feel happy? The fees they charge are so minimal compared to the amount of service they provide, and I feel good supporting a local nonprofit. And I’ll live happily ever after, having this ordeal finally taken care of. The end.

Making the best of a bad financial situation is what these guys do for a living, and they do it damn well. If you know nothing else about them, know that they are the ONLY HUD-​approved credit-​counseling agency in the state of Washington. To go elsewhere is to make oneself vulnerable to scams that will make you lose more than you’ve already lost, all to fill their heartless, greedy pockets.
Out of work for not quite a year yet when I contacted them, I’d already spent through all my «retirement» savings (ha!) hoping to save my condo. Through a combination of credit-​card purchases and cash advances, I was rapidly approaching the last of my credit limits when I called them.
They bundled my credit-​card debt into one (very) low-​interest loan that they brokered my payments on, in exchange for a modest monthly handling fee (especially when compared to how much I’d have paid in interest with the Wall Street banks), all handled through monthly withdrawals from my checking account, which I was able to keep funded (modestly, but adequately) through some creative moves.
With their help, I was able to sell the house, with enough equity (I realize not everyone’s this lucky) to pay off my credit-​card debt, a week or two before the foreclosure hounds would have come snarling at my door.
Their attitude and service demonstrate compassion and a sincere willingness to help, and they are both responsive to requests for help and advice and proactively in touch when needed. They earned every penny of their fees, unlike the loan-​shark interest I paid Big Banking before signing up for their Debt Management Program.
I don’t envy anyone the circumstances that brought me together with ClearPoint, but thank God that they were there and oh-​so-​helpful in my hour of need. If you’re on the brink of possible financial disaster and hoping for a miracle, here’s my advice: Wake up and get these guys on your side before it’s too late to save anything. I haven’t checked my credit score yet, but I feel sure that it’s at the very least at or above average thanks to the ways ClearPoint knows how to hook its clients up.
Call them while you still maintain some control over your future. They’ll help make it better.