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AA Credit Advisors is your source for credit card counseling services.Michaela is our Credit Counseling Expert.

Ask Michaela

Hello there. I have compiled some frequently asked questions and answers regarding our services. Feel free to email me a more specific question if you do not find the answer you are looking for. Remember, we are here to help.

Search Our site for answers to your questions or review the most frequently asked questions below.

Frequently Asked Questions

What is credit counseling?

What is a debt management program?

How can a debt management program lower my monthly payments?

What kind of savings can I expect through credit counseling/debt management?

How long does it take to get out of debt with a debt management program?

What types of debt do debt management plans handle?

How will a debt management program help me?

How does a debt management program typically work?

How do I decide between a debt management plan or a debt settlement plan? What could go wrong with debt settlement?

Does credit counseling/debt management require good credit?

What happens when I receive credit counseling?

What happens when I start a debt management program (DMP)?

How do debt management programs differ from bankruptcy?

Why is it that monthly payments are typically lower when participating in a debt management program?

Will my creditors work with a debt management program?

Will debt management stop creditors from calling?

Will signing up with Shield Credit affect my credit?

Can I still use my credit cards?

What type of bills does Shield Credit handle/pay?

How much does a debt management program (DMP) cost?

How much does credit counseling cost?

Can I negotiate with creditors on my own?

How can I receive credit counseling or start my debt management program?

Should I consider getting a loan instead of credit counseling and/or a debt management program?

Why should my creditors lower my payments and monthly interest?

What is secured debt?

How do I choose a credit counseling service?

How can I be assured that Shield Credit is paying all my bills?

What happens if I miss a payment to Shield Credit?

What should I do if a creditor calls me at home or work?

Should I list every creditor when I apply or can I leave some off (for example, one of my credit cards)?

Should I list my car payment?

Can I make a double payment?

Will I still get monthly statements from my creditors?

What advantages does Shield Credit provide over most other counseling agencies?

How can you get people out of debt so fast?

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