About American Debt Counseling of Michigan
American Debt Counseling of Michigan, is a credit counseling company that has served the residents of the state of Michigan for over 38 years.
We are a licensed debt management firm with 3 branches in Southern Michigan. Our offices are located in Grand Rapids, Kalamazoo, and Livonia. We prefer face-to-face appointments; however, we do offer phone appointments, as well.
Be Smart When Choosing Your Credit Counselor
When choosing a debt management company, make sure they are licensed in the state in which you live. Watch out for settlement companies that promise to shave 50% or more off your debt. It may work for some, but if you have garnishable income, why would they not sue you and get 100% by garnishing?
Additionally, when you add in all their fees, you end up paying almost what you totally owe anyway. Finally and most importantly, when you stop paying your creditors, your rating drops while your balances rise because of late fees and high interest rates.
When you choose us, your first appointment is absolutely free. During the appointment, we tell you precisely what the cost of your program will be based on your individual situation. Charges vary between each client; however, the program is always completely affordable. If your program wasn't affordable, then we would not be able to recommend our service to you.