Bankruptcy
Alternative
Looking for a Bankruptcy Alternative? If you have a source of income, debt management is an effective bankruptcy alternative. Even in a bankruptcy you will have to make payments in most cases. There are many unfavorable consequences surrounding a bankruptcy. With Harbour, you can be debt free within 5 years and will have achieved financial freedom. Harbour is a debt management agency providing services for families and individuals looking for a
bankruptcy alternative
and does not provide legal advice. For specific bankruptcy information please contact an attorney practicing bankruptcy law. We are currently able to assist with credit card debt, unsecured loans, and some medical agencies will work with us.
Who We Are
— Harbour Credit Counseling is a nationally recognized non-profit debt management agency, a member of the
Consumer Federation of America, and approved by the Internal Revenue Service with a 501c(3) non-profit license.
 What We Do — Harbour Credit Counseling provides
management services to families and individuals experiencing financial stress. We have negotiated special terms with creditors
to eliminate or reduce finance charges and fees so that most of the monthly payment is applied to your account balances rather than to fees or interest. Even delinquent accounts are re-aged or brought current after creditors receive initial payments through the program.
How We Do It
Harbour Credit Counseling uses the latest encryption technology to protect your privacy. All financial information transmitted
to and from our site is protected so your information stays safe with us. The personal and financial information you provide
is kept confidential and is used only as necessary to complete your financial transactions. Harbour Credit Counseling is truly a Safe Harbour.
Harbour Credit Counseling Services Inc.
Harbour Credit Counseling Services was formed 1995. Harbour processes payments for agencies that are in the non-profit debt counseling industry as well
as processing for Harbour Credit Counseling Services.
Harbour currently disburses over $3,250,000 each month on behalf of over 10,000 families. Trust and escrow accounting is accomplished
via various insured trust and escrow accounts located at Bank of America and First Union National Bank. Harbour also provides processing services for five agencies and
consolidates electronic payments for an additional four non-profit agencies.
*Numbers listed in the above sections were provided on 1/25/2001
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