Watch more Credit & Credit Cards videos: http://www.howcast.com/videos/313540-How-to-Choose-a-Consumer-Credit-Counseling-Service

When life throws you a curve ball, find the best agency to help you get out of debt.

Warning
Be aware that some consumer credit counseling agencies may not be legitimate or honest.

Step 1: Make a list of possible credit counselors
Draw up a list of possible credit counselors. Many colleges, credit unions, and military bases offer credit counseling programs. Find others through web searches or referrals from friends and family.

Tip
If you choose a nonprofit agency, make sure their fees are affordable.

Step 2: See if the agency is a member of a trade association
Eliminate the agencies that aren’t members of major trade associations by searching the websites of the AICCCA and the NFCC.

Tip
Find the AICCCA, or Association of Independent Consumer Credit Counseling Agencies, at aiccca.org. The NFCC, or National Foundation for Credit Counseling, is at nfcc.org.

Step 3: Search for complaints filed against the agencies
Contact your state Attorney General’s office, your local consumer protection agency, and the Better Business Bureau to see if any of the agencies have had complaints filed against them.

Step 4: Get information about each agency
Contact each agency remaining on your list and ask for a basic information packet. They should provide this without asking for financial information or a fee.

Step 5: Review information about services offered
Review the information about each agency’s services. Look for counselors that offer a full range of options, including budget counseling and savings and debt management classes.

Tip
Avoid agencies that offer to enroll you in a Debt Management Plan, or DMP, without reviewing your financial situation.

Step 6: Ask about fees and qualifications
Ask about fees, including set-up and monthly fees. Find out how the counselors are trained and compensated. Avoid services where counselors work on commission only.

Step 7: Get a formal, written agreement
Select an agency that offers services that best meet your needs. Get a formal, written agreement that includes a price quote. Follow their advice and you’ll be on your way to financial freedom.

Did You Know?
At the end of 2008, the total amount of credit card debt in the U.S. topped $972 billion. On average, each American household carried about $8,000 in credit card debt.

Debt. No one else sees it, but it’s always hanging around weighing you down.
Get debt off your back. The Credit Counselling Society is a non-profit service that’s helped thousands of Canadians solve their debt problems. Call them today at 1-888-527-8999. Their help is free, confidential, and it works.

The Credit Counselling Society is a non-profit service that has helped thousands of Canadians solve their debt problems. Call them today for free, confidential help: 1-888-527-8999.

A businessman on how he was able to sort out a dispute about a small claim over the telephone using the court’s mediation service.

More information at www.direct.gov.uk/courtanddebt

Credit Counselling Services of Atlantic Canada is the proud winner of the 2019 St. John’s Consumer’s Choice Award for Credit and Debt Counselling Service. Visit www.solveyourdebts.com to find out how we can help.

Does BSCC offer any money-back guarantee if they cannot obtain the results I am looking for? The answer is in the video. Avineet Kalsey – Recent interview …

Emmy award winning consumer reporter Jeanette Pavini shares vital information on choosing a credit counseling service. Jeanette discusses how to recognize when you may need to seek a credit counselor and shares important tips on how to spot scams. Jeanette also discusses why it’s important to look forward and not feel ashamed or having debt.

Learn More at http://www.hallmarkchannel.com/homeandfamily