When deciding upon debt counseling services or just dealing with creditors you should know your rights and what to beware of before you make a choice.
Whether you are choosing debt counseling services or dealing with creditors, it pays to do your research.
Check which ever organization you are dealing with out with the BBB, your local consumer protection agency and your state attorney general?s office.
Credit counseling companies can offer you debt solutions. Reputable organizations can show you how to manage your money and handle your debt.
They can help you to develop a budget and usually offer workshops and educational materials. Debt and credit counselors are certified and trained in budgeting, money and debt management and consumer credit.
Counselors go over the financial information you provide them with and discuss your entire financial situation with you.
They help you come up with a personalized budget and an action plan to help solve your money problems. A credit counseling session should take about an hour, with an offer of follow up if you feel you need it.
A reputable credit counseling company should send you free information about itself, if you request it. Actually if you are taking the time to call them and find out about them, they should offer to send it to you.
Sending you information should not be contingent upon you furnishing them with information about yourself. If they want you to give them information first before they give you any information then forget about them and go to the next person on your list.
You should have a list to work with. As consumers we usually shop around for cars, appliances, household services and clothing. We need to be even more vigilant when it comes to shopping around for a credit counseling service to help with our finances.
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