#free credit counseling
Find Debt Settlement Credit Counseling
If you are running into issues with credit card debt or debt management, consider seeking a credit counselor to discuss loan or debt consolidation, or even bankruptcy. A good financial help service may negotiate with lenders to consolidate your debt, reduce monthly payments, and sometimes lower your current interest rates. When looking for the right credit counseling service, consider the following factors for each organization.
- Affiliation. Check how reputable an agency is by reviewing the firm’s affiliations. Being a member of and having a strong Better Business Bureau (BBB) rating, for example, is a good initial indication of the quality of that business.
- Fees. Determine how much the service will cost, and make sure of administrative costs and monthly billing costs. Know how much a firm will charge upfront so that you don’t have unexpected fees later on.
Ultimately, when seeking credit and debt counseling, do your due diligence before committing to a service because it will save you time and money in the long run. Take your time and make sure the organization is legitimate and will really help you get out of debt. Like anything else, if it sounds too good to be true, there’s probably a catch.