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« Back to articles from category "Finances"

The following article was published in our article directory on July 2, 2013.
Learn more about SpinDistribute Article Distribution System.

The What, Why, and How of Credit Counseling

Article Category: Finances

Author Name: Gregory Haynes

As a general rule, credit counseling is a government regulated industry. This is because the same is considered a quasi-social service. In order to become a credit counselor, or to operate the same business; one must comply with specific guidelines and past rigorous testing. This is because a credit counselor gives financially troubled consumers, advice regarding financial planning and/or debt settlement.

The Regulator/Adviser

The answer depends on what nation or state you live in. In the United States you have the National Foundation of Credit Counselors (NFCC). In Canada you have the Financial Consumer Agency of Canada (FCAC). In South Africa you have the National Credit Regulator (NCR).

Credit Counseling vs. Debt Counseling

Both terms can be interchanged. This is especially true in Canada. However, in the United States the former usually refer to regulated counselors while the latter are those that operate under the radar, or who are financed by banks and lenders.

Why Do You Need Credit Counseling

There are two types of consumers who call a credit counselor. The first are those who call out of their own volition. For example, you are in financial trouble, and you want to consult with an uninterested third party, who is an expert when it comes to debt settlement.

The second are those that are required to do so. In other words, one cannot continue with a particular application without the proper certificate from a credit counselor. For example, in the United States, a consumer who wants to file for bankruptcy has to undergo credit counseling.

How to Get in Touch with a Credit Counselor

The answer depends on what your purpose is. If you are doing this out of your own free will, then better check with the proper regulatory body. The same has a website and there is a link there that will direct you to a list of licensed counseling entities (person or firm).

The same is true if you are obligated to do so as a requirement for filing i.e. bankruptcy. Don t forget to verify with the entity that the same is in fact recognized by the state in which you are filing. If you are filing or have a co-borrower, the same must also be registered as a listener, and given the appropriate certificate.

If you are doing this in order to comply with a specific forebearance application or any relevant application with a bank or lender; better inquire with the same. Admit it or not, some lenders directly or indirectly favour a specific credit counselor or counseling firm.

How is Counseling Done?

You can ask your lender for list of accredited counselors. You can also go online to search for the same list. As a general rule, you can conduct the session/s on the phone, online or in person. The number of sessions and total hours spent depends on the type of filing or interest of the consumer.

In Closing

Don t forget to verify your specific purpose. Be ready with your income and expense worksheet. And be honest with your counselor. Remember, his/her capacity to give sound advice depends largely on the facts and premises you provide.

About the Author: Gregory Haynes is a financial debt advisor .
Call Now: 888-491-0368

Keywords: Credit Counseling

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