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Lewes, Delaware
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October 2, 1998     Cape Gazette
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October 2, 1998

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Find relief from money problems at Consumer Credit & Debt Counseling By Jen EUingsworth Throughout the nation, millions of people suffer from debt. Many of them are shrouded in despair, sure that what they are facing is an insurmountable obstacle. Most feel they have little or no chance of ever becoming debt- free. While debt in any amount can be daunting, there is help avail- able at Consumer Credit and Debt Counseling Inc. in the Red Mill Center, near Leaves. A nonprofit human service agency headed locally by Ronald P. Barkauskie, Consumer Credit and Debt Counseling helps those individuals and families with seri- ous money problems find relief. The agency is licensed by the New Jersey Department of Bank- ing. Organized in 1995 by R. Glen Fenstermacher and Thomas B. Graves, Consumer Credit and Debt Counseling aims to be an educational and counseling orga- nization. Both Fenstermacher and Graves have combined profes- sional experience that exceeds 75 years both in the public and pri- vate sector. The home office is based in Vineland, N.J. What the company does Consumer Credit and Debt Counseling negotiates with credit card companies, banks, finance companies and other creditors to lower interest payments and re- duce or eliminate late penalties. A one-time fee of $25 is required to enroll in the program, but is re- funded within six months of suc- cessful payments, said Barkauskie. By consulting the client, he de- velops a budget and a personal- ized program for clients to pay off credit card debts. Instead of mul- tiple payments to several compa- Fitness Continued from page 54 out requirements. "We'll work together to find out how many times per week they want to work out and then find a program that fits," he said, adding that morning, afternoon and evening sessions are offered. How many times a week you work out depends on the person's needs, goals and level of experi- ence, he said. Hall said he considers three ar- eas - diet, weight training and car- diovascular training - to be the ba- sic doctrines for achieving peak physical fitness. Depending on the individual, he said you can ex- peizt to see results four-to-eight weeks in the training regimen. Hall said many people consider hiring a personal trainer more ben- eficial than working out alone be- cause it is more of a commitment. "When you have a trainer, it's scheduled and you pay for it," he Jen EIIingsworth photo Ronald P. Barkauskie heads the local branch of Consumer Credit and Debt Counseling Inc., located in the Red Mill Cen- ter near Lewes. hies with high interest rates, en- rolled clients need only make one payment every month. Consumer Credit and Debt Counseling man- ages the account, working toward the goal of eventually paying off the credit cards. A monthly fee based on each client's debt is set by the agency. Through budget planning, money management and planned debt liq- uidation, the agency can show clients a light at the end of the tun- nel of debt. Setting a realistic budget Barkauskie said an initial coun- seling session involves a review of the client's expenses. He asks that clients fill out a worksheet that de- tails their income and amount of debt per month. Then, he prepares a manageable plan to pare down spending and to use the savings to pay off debt. BeSides its obvious attributes, another benefit of enrolling with Continued on page 56 I said. "You treat it like a job." He said many of his clients find that his service is effective. Gertie Hillman of Gertie's Greengrocer in Lewes said having Hall as a personal trainer has meant results for her. "Finding and trusting a personal trainer can be the first and most difficult step one can take," wrote Hillman in a testimonial for Hall. "Victor's expertise in fitness train- ing has enabled me to reach my goals faster than I have ever ima,- ined. "I highly recommend Victor to anyone who wants to see a dra- matic change in their overall health." Hall said he'd like to get in- volved in clinics for teams, specif- ically for the preseason and strength training. The membership fee for Team Fitness varies from person-to-per- son, said Hall, who is currently of- fering a free T-shirt for those who sign up for 12 or more sessions. For information, call 302-236- 5147. CAPE GAZETTE, Friday, October 2 - October 8, 1998 - 55 S39,999 Doublewide over 1200 Sq, Ft W'h Large Closets . PRICE INCLUDES: GE Applances o Delivery Setup, At,_Electric Hook-up, Water& Sewer Hook-up Vinyl Skii FibeRlass Steps, Front and Rear OAKWOOD HOMES 00mLLnO00O 655 East DuPont Hi.way 302-934-7417 Lighthouse Builders f1" Decks Kitchens & Bath Remodeling Additions Custom Homes No Job Too Large, No Job Too Small Quality Work Fair Prices CALL NOW FOR YOUR FREE ESTIMATE All Jobs Owner Supervised (302) 947-0556