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Best Oakland County, Michigan Business Debt Counselors

Introduction to Business Debt Counseling

In the bustling economy of Oakland County, Michigan, business debt counseling services play a crucial role in helping enterprises navigate their financial challenges. These services offer professional advice and practical solutions to manage debt, improve financial health, and ensure business sustainability. This article delves into the best business debt counselors in the area, highlighting their services, client reviews, and essential contact information.

What to Look for in a Business Debt Counselor

When choosing a business debt counselor, it’s important to consider several key factors to ensure you’re getting the best possible service:

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  • Experience and Credentials: Look for counselors with significant experience and relevant certifications, such as those from the National Foundation for Credit Counseling (NFCC) or the Financial Counseling Association of America (FCAA).
  • Range of Services: A good debt counselor should offer a comprehensive range of services, including debt management plans, credit counseling, financial coaching, and bankruptcy counseling.
  • Client Reviews: Positive feedback from previous clients can be a strong indicator of the counselor’s effectiveness and reliability.
  • Cost of Services: While many organizations offer free initial consultations, it’s important to understand the costs associated with ongoing counseling and specific services.
  • Accreditation: Ensure the counselor is affiliated with reputable financial organizations and adheres to ethical standards.
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Top Business Debt Counselors in Oakland County

Accel Financial Services

Accel Financial Services, based in Royal Oak, is known for its comprehensive financial counseling and client-focused approach. They offer a range of services tailored to help businesses and individuals manage their debt effectively.

Contact Information:

Services Provided:

  • Debt Counseling
  • Credit Score Improvement
  • Financial Coaching
  • Bankruptcy Counseling
  • Housing Counseling

Client Reviews:

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  • “Accel helped me understand my credit report and took me through every step to improve my score. Their counselors are incredibly patient and knowledgeable.” – Anita P.
  • “Their financial coaching was just what I needed to get back on track. They gave me realistic goals and supported me throughout the process.” – Mike S.
Service Description Cost
Debt Counseling Free initial consult
Credit Score Improvement Varies
Financial Coaching $50/hour
Bankruptcy Counseling Free to $100
Housing Counseling Free

Credentials to Look for in a Business Debt Counselor

It’s essential to verify the credentials of a business debt counselor to ensure they are qualified and capable of providing the best advice and services. Key credentials include:

  • Certification from NFCC or FCAA: These organizations set high standards for financial counseling and require counselors to meet rigorous criteria.
  • Accreditation from the Council on Accreditation (COA): This ensures the counselor adheres to industry best practices and ethical standards.
  • Membership in Professional Associations: Being a member of associations such as the Association for Financial Counseling & Planning Education (AFCPE) indicates a commitment to ongoing education and professional development.
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Oakland County Michigan Works!

Oakland County Michigan Works! offers valuable financial literacy workshops and one-on-one counseling sessions aimed at improving residents’ financial management skills. Their comprehensive programs cover budgeting, credit management, and retirement planning.

Contact Information:

Services Provided:

  • Financial Literacy Workshops
  • One-on-One Counseling
  • Online Resources
  • Career Counseling
  • Skills Training
Resource Description Cost
Financial Literacy Workshops Free
One-on-One Counseling Free
Online Resources Free
Career Counseling Free
Skills Training Varies

Consumer Credit Counseling Foundation (CCCF)

CCCF is a non-profit organization dedicated to helping individuals and businesses manage their debt and improve their financial health. They offer a range of services, including budgeting, debt management, and credit counseling.

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Contact Information:

Services Provided:

  • Budgeting
  • Credit Counseling
  • Debt Management
  • Consolidation
  • Bankruptcy Support
Service Description Cost
Budgeting Free
Credit Counseling Free
Debt Management Varies
Consolidation Varies
Bankruptcy Support Varies

GreenPath Financial Wellness

GreenPath Financial Wellness is a national non-profit organization with multiple locations in Oakland County, including Farmington Hills and Troy. They provide a wide range of financial counseling services to help individuals and businesses manage their debt and achieve financial stability.

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Contact Information (Farmington Hills Office):

Services Provided:

  • Debt Management Plans
  • Credit Counseling
  • Housing Counseling
  • Bankruptcy Counseling

Client Reviews:

  • “GreenPath provided me with the tools and support I needed to get my finances back on track. Their counselors are professional and genuinely care about their clients.” – John D.
  • “I was drowning in debt, but GreenPath helped me develop a realistic plan to pay off my creditors and rebuild my credit.” – Sarah W.
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Service Description Cost
Debt Management Plans Varies
Credit Counseling Free initial consult
Housing Counseling Free
Bankruptcy Counseling Free to $100

Financial Empowerment Center

The Financial Empowerment Center in Oakland County offers free, professional financial counseling to help residents reduce debt, build savings, and improve credit scores. Their holistic approach ensures that clients receive comprehensive support tailored to their individual needs.

Contact Information:

Services Provided:

  • Debt Reduction Strategies
  • Savings Programs
  • Credit Improvement Plans

Client Reviews:

  • “The Financial Empowerment Center helped me create a budget that worked for my business and personal finances. Their advice was practical and easy to implement.” – Karen T.
  • “Their counselors were incredibly knowledgeable and supportive, helping me improve my credit score and build a financial safety net.” – James L.
Service Description Cost
Debt Reduction Strategies Free
Savings Programs Free
Credit Improvement Plans Free

Conclusion

Choosing the right business debt counselor in Oakland County, Michigan, can significantly impact your financial health and business success. By considering the experience, credentials, range of services, and client reviews, you can find a counselor that best meets your needs. Whether you’re looking for comprehensive debt management plans, credit counseling, or financial coaching, the professionals highlighted in this article offer valuable resources and support to help you achieve your financial goals.

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