MyCreditCounselor - Andrew Weber

Debt-Relief · OH

Rating: 4.5/5

MyCreditCounselor - Andrew Weber logo

MyCreditCounselor specializes in private student loan settlement and debt negotiation. Andrew Weber, a NACCC Certified Counselor, has settled millions in high-balance loans since 2013, earning 80+ 5-star Google reviews.

Official Website

http://www.mycreditcounselor.net

MyCreditCounselor - Andrew Weber Review

MyCreditCounselor is a Columbus, Ohio-based private student loan settlement and debt negotiation practice operated by Andrew Weber, a NACCC Certified Credit Counselor (since 2011) and NACCC Certified Student Loan Counselor (since 2014). Unlike large non-profit credit counseling agencies, this is a boutique solo practice built around direct, one-on-one access to a credentialed specialist. Weber positions himself as one of the few practitioners in the country who focuses exclusively on private student loan negotiation—a niche that demands both specialized knowledge and established creditor relationships.

With 16+ years of experience, Weber has settled millions in private student loans, credit card debt, and other unsecured obligations. He specializes in high-balance, high-risk cases: private loans over $20,000 (with settlements exceeding $317,000), accounts in default, cosigner situations, and cases at imminent risk of legal action. His negotiation strategy aims to reduce balances aggressively, improve clients' debt-to-income and debt-to-credit ratios, and eliminate the burden of payments that never seem to decrease.

The practice has earned 80+ Google reviews with a perfect 5.0-star rating, reflecting client satisfaction with Weber's results and direct communication style. Clients report transformation from high-stress debt situations to debt-free status, removing obstacles to major financial goals like home ownership or credit rebuilding.

Critically, Weber emphasizes proper settlement execution: larger balances carry greater legal and financial risk if settlements are mishandled. His approach combines deep negotiation knowledge, established industry relationships, and proactive management of creditor communications to maximize savings while ensuring compliance.

MyCreditCounselor is best suited for borrowers with high-balance private student loans, those in default or facing collection action, cosigners burdened by unexpected liability, and individuals whose debt-to-income ratio prevents them from qualifying for mortgages or other major financing.

Pros & Cons

Reader-focused summary of the strongest reasons to consider MyCreditCounselor - Andrew Weber and the factors most worth weighing before contracting. Individual outcomes depend on your credit situation and goals.

Pros

  • ✓Perfect 5.0 Google rating across 105 reviews — exceptionally strong and consistent client satisfaction
  • ✓Dual NACCC certifications: Certified Credit Counselor (2011) and Certified Student Loan Counselor (2014) — verifiable credentials
  • ✓Reported niche expertise in private student loan settlement, a specialty rarely offered by mainstream agencies
  • ✓Direct access to the credentialed specialist — no hand-off to junior case workers
  • ✓Documented track record negotiating with major lenders including Navient, Sallie Mae, National Collegiate Trust, and Wells Fargo
  • ✓15+ years in practice — longevity in a field with high practitioner turnover

Areas to Consider

  • !Solo practitioner with limited capacity — scheduling and availability may be an issue for clients needing fast action
  • !Fees and rates are not publicly disclosed — pricing transparency is below industry standard
  • !Primary focus is private student loan settlement, not broad-spectrum credit repair — less suited to consumers with general credit improvement goals
  • !Debt settlement strategies typically require the account to be in default, which causes near-term credit score damage
  • !No apparent non-profit status or HUD-approved counseling designation, which some state and federal programs require

Verdict Summary

MyCreditCounselor - Andrew Weber works best for consumers who value perfect 5.0 google rating across 105 reviews — exceptionally strong and consiste and can accept the tradeoff of solo practitioner with limited capacity — scheduling and availability may be an . Compare against similar providers below before signing any contract.

Services & Features

Services offered

Feature Checklist

✓Credit Monitoring
✓All Three Bureaus
✗Goodwill Letters
✗Cease Desist Letters
✓Debt Validation
✓Credit Education
✗Identity Theft Protection
✗Score Tracking
✗Mobile App
✓Online Portal
✗Personal Advisor
✗Ai Powered

Best For

Before You Contact MyCreditCounselor - Andrew Weber

Before signing up with any Debt Relief provider, review these safeguards:

Compare Your Needs With MyCreditCounselor - Andrew Weber

Match these decision factors against MyCreditCounselor - Andrew Weber's profile before committing. This rubric mirrors what independent consumer-finance research typically checks for Debt Relief providers.

Category

Debt Relief

Service scope

10 services listed

Geographic coverage

1 states

Match to your priorities

  • ●
    Budget priority: Pricing published above — factor in setup, monthly, and cancellation fees over the full expected service window.
  • ●
    Complexity priority: Consider MyCreditCounselor - Andrew Weber's stated strengths (Perfect 5.0 Google rating across 105 reviews — exceptionally strong and consistent client satisfaction) against your specific credit situation.
  • ●
    Timeline priority: Debt Relief typically takes 3-6 months for meaningful outcomes. Providers guaranteeing overnight results are red flags under federal consumer protection law.
  • ●
    Recourse priority: Confirm state licensing via your state regulator and check the CFPB complaint database before contracting.
  • ●
    Alternatives: Compare against all Debt Relief providers, DIY options via non-profit counseling agencies, and free CFPB resources.

Pricing

  • Monthly Price: 0
  • Setup Fee: 0
  • Money Back Guarantee: False
  • Guarantee Details: Contact provider for current pricing and guarantee details.
  • Free Consultation: True
  • Tiers: [{'name': 'Debt Settlement Program', 'price': 0, 'features': ['Free debt consultation and evaluation', 'Creditor negotiation for reduced payoff amounts', 'Dedicated resolution specialist', 'No upfront fees — performance-based pricing', 'Monthly deposit into dedicated savings account', 'Online progress tracking dashboard', 'Available for $10,000+ in unsecured debt']}]
  • Currency: USD

Frequently Asked Questions

What services does MyCreditCounselor - Andrew Weber offer?

MyCreditCounselor - Andrew Weber offers 10 services including Private student loan settlement negotiation, Private student loan counseling and repayment strategy, Debt settlement negotiation with major lenders and servicers, National Collegiate Trust account negotiation, Debt collector harassment intervention and resolution, and 5 more. Confirm current service list directly with the provider before contracting.

Who is MyCreditCounselor - Andrew Weber best suited for?

MyCreditCounselor - Andrew Weber's profile signals suggest it may fit: Consumers in Columbus, Ohio looking for credit repair services; People who prefer working with a local credit repair provider; Individuals with negative items on their credit reports; People preparing for major purchases like home or car buying. Individual outcomes vary based on your specific situation.

What are the strengths and weaknesses of MyCreditCounselor - Andrew Weber?

Key strengths: Perfect 5.0 Google rating across 105 reviews — exceptionally strong and consistent client satisfaction; Dual NACCC certifications: Certified Credit Counselor (2011) and Certified Student Loan Counselor (2014) — verifiable credentials; Reported niche expertise in private student loan settlement, a specialty rarely offered by mainstream agencies. Areas to consider: Solo practitioner with limited capacity — scheduling and availability may be an issue for clients needing fast action; Fees and rates are not publicly disclosed — pricing transparency is below industry standard.

How does MyCreditCounselor - Andrew Weber compare to similar companies?

In the Debt Relief category, comparable providers include Family Credit Management Services, Accredited Debt Relief, Achieve (Freedom Debt Relief). Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Where does MyCreditCounselor - Andrew Weber operate?

MyCreditCounselor - Andrew Weber serves customers in 1 states including Ohio. Confirm current service availability in your state directly with the provider.

How much does MyCreditCounselor - Andrew Weber cost?

Listed pricing for MyCreditCounselor - Andrew Weber: monthly price: 0; setup fee: 0; money back guarantee: False. Pricing may change — verify current fees directly with the provider before signing any contract.

Visit MyCreditCounselor - Andrew Weber

State Consumer Finance Context

This is state-level context for Debt Relief consumers in Ohio. It does not confirm that MyCreditCounselor - Andrew Weber or this specific location is licensed.

State regulator: Ohio Department of Commerce Division of Financial Institutions
Consumer protection: Ohio Attorney General Consumer Protection Section

Credit and debt help rules in Ohio

Key state rules to check

Payday lending in Ohio: Restricted (max $1000)

Usury cap: 28% APR cap on short-term loans (HB 123, 2018); 8% general usury

Complaint resources

State references

Ohio reformed payday lending in 2018 with HB 123, capping APR at 28% and requiring minimum 91-day terms. A statewide database prevents borrower abuse. The Division of Financial Institutions regulates consumer lenders, and consumers can file complaints with the Division or the Attorney General.

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Related Questions

Quick Summary

MyCreditCounselor - Andrew Weber — Debt Relief in OH.

Overall rating: 4.5/5

MyCreditCounselor specializes in private student loan settlement and debt negotiation. Andrew Weber, a NACCC Certified Counselor, has settled millions in high-balance loans since 2013, earning 80+ 5-star Google reviews.

Visit MyCreditCounselor - Andrew Weber

Next Steps

  1. Compare MyCreditCounselor - Andrew Weber against similar options above.
  2. Run our borrowing power quiz to see how MyCreditCounselor - Andrew Weber matches your situation.
  3. Check state regulator listings for MyCreditCounselor - Andrew Weber's licensing before committing.
  4. Visit MyCreditCounselor - Andrew Weber once you're ready.

Glossary of Terms

Common terms that come up when comparing Debt Relief providers. Full glossary at creditdoc.co/glossary/.

Chapter 13 Bankruptcy — Chapter 13 Bankruptcy (Reorganization)
A type of bankruptcy where you keep your assets but follow a court-approved 3-5 year repayment plan to pay back some or all of your debts. Stays on credit for 7 years.
Why it matters: Chapter 13 is better than Chapter 7 if you have a home or assets you want to keep. It can stop foreclosure and let you catch up on mortgage payments over 3-5 years.
Example: You're 3 months behind on your mortgage and have $30,000 in credit card debt. Chapter 13 stops foreclosure and puts you on a 5-year plan: you pay $600/month to catch up on the mortgage and pay 40% of the credit card debt.
Chapter 7 Bankruptcy — Chapter 7 Bankruptcy (Liquidation)
A type of bankruptcy that wipes out most unsecured debts (credit cards, medical bills) by liquidating non-exempt assets. It stays on your credit for 10 years.
Why it matters: Chapter 7 gives you a fresh start but at a steep cost: 10 years on your credit, difficulty getting loans, and you may lose assets. Income must be below your state's median to qualify.
Example: You have $45,000 in credit card debt and earn $35,000/year. Chapter 7 erases the debt. You keep exempt property (basic car, household items). Your score drops to ~500 but you're debt-free.
CFPB — Consumer Financial Protection Bureau
A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.
Why it matters: The CFPB is your most powerful ally against predatory lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.
Example: A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.
Charge-Off
When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.
Why it matters: A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.
Example: You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).
Collections — Debt Collections
When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.
Why it matters: Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.
Example: An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.
Debt Consolidation
Combining multiple debts into one single loan with one monthly payment, ideally at a lower interest rate. It simplifies repayment and can reduce total interest.
Why it matters: Consolidation works best when you get a lower rate than your existing debts. But it doesn't reduce what you owe — and extending the term can mean paying more total interest.
Example: You have: $5,000 at 22% (credit card), $3,000 at 18% (store card), $2,000 at 25% (payday loan). A $10,000 consolidation loan at 11% saves you ~$2,100 in interest over 3 years.
Debt Settlement — Debt Settlement / Negotiation
Negotiating with creditors to accept less than the full amount you owe — typically 40-60 cents on the dollar. Usually done after you've already fallen behind on payments.
Why it matters: Settlement can save thousands, but it severely damages your credit (settled accounts show for 7 years) and the IRS may tax the forgiven amount as income.
Example: You owe $15,000 on a credit card and negotiate a settlement of $7,500 (50%). You save $7,500 but: your credit drops 100+ points, the account shows 'settled' for 7 years, and you may owe taxes on the $7,500 forgiven.
Default — Loan Default
When you fail to repay a loan according to the agreed terms — usually after 90-180 days of missed payments. It's the point where the lender gives up on collecting normally.
Why it matters: Default triggers severe consequences: credit score drops 100+ points, the debt may be sent to collections, you could be sued, and your wages or assets could be seized.
Example: You miss 4 consecutive car payments. The lender declares your loan in default, repossesses your car, sells it at auction for $8,000, and you still owe the remaining $5,000 (called a deficiency balance).
DTI Ratio — Debt-to-Income Ratio
The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.
Why it matters: Most lenders want DTI below 36% for personal loans and below 43% for mortgages. Above that, you're considered overextended and likely to be denied.
Example: You earn $5,000/month gross. Your debts: $1,200 mortgage + $300 car + $200 student loans = $1,700/month. DTI = 34%. A new $400/month loan would push you to 42% — risky for lenders.
FDCPA — Fair Debt Collection Practices Act
A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and must stop contacting you if you request in writing.
Why it matters: Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you can sue for up to $1,000 per violation plus attorney fees.
Example: A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.
Garnishment — Wage Garnishment
A court order that requires your employer to withhold part of your paycheck and send it directly to a creditor. Usually happens after a creditor sues you and wins a judgment.
Why it matters: Federal law limits garnishment to 25% of disposable income. Some states have lower limits. Student loans and taxes can be garnished without a court order.
Example: You owe $8,000 on a defaulted credit card. The bank sues, gets a judgment, and garnishes your wages. On a $3,000/month net paycheck, they take $750/month until the debt is paid.
Installment Loan
A loan you repay in fixed monthly payments over a set period — typically 12 to 60 months. Each payment covers part of the principal plus interest. Personal loans, auto loans, mortgages, and student loans are all installment loans.
Why it matters: Installment loans are the most common way Americans borrow money. Unlike revolving credit (credit cards), installment loans have a clear end date and predictable payments. Making on-time installment payments builds yo...
Example: You borrow $5,000 as a personal installment loan at 12% APR for 36 months. Your fixed monthly payment is $166. After 36 payments totaling $5,978, the loan is paid off. You paid $978 in interest but built 36 months of positive payment his...
Judgment — Court Judgment (Debt)
A court ruling that says you legally owe a specific amount to a creditor. It gives the creditor power to garnish wages, freeze bank accounts, or place liens on your property.
Why it matters: Judgments are enforceable for 10-20 years (varies by state) and can be renewed. They give creditors far more collection power than a simple unpaid debt.
Example: A credit card company sues you for $8,000 and wins a judgment. They can now garnish 25% of your paycheck ($750/month on a $3,000 net salary) and freeze your bank account.
Statute of Limitations — Statute of Limitations (Debt)
A time limit (typically 3-6 years, varies by state) after which a creditor can no longer sue you to collect a debt. The debt still exists, but they lose the legal power to force payment.
Why it matters: Knowing your state's statute of limitations prevents you from being tricked into paying debts that are legally uncollectable. Beware: making a payment can restart the clock.
Example: You have a $3,000 credit card debt from 2019. Your state has a 4-year statute of limitations. In 2024, a collector calls demanding payment. The statute has expired — they cannot sue you.
Amortization — Loan Amortization
The process of paying off a loan through regular payments that cover both principal and interest. Early payments are mostly interest; later payments are mostly principal.
Why it matters: Understanding amortization explains why paying extra early in a loan saves the most money — you're reducing the principal that interest is calculated on.
Example: Month 1 of a $200,000 mortgage at 6%: your $1,199 payment splits as $1,000 interest + $199 principal. By month 300: only $47 goes to interest and $1,152 goes to principal.