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SpinDistribute.com Article Directory

The following article was published in our article directory on July 11, 2013.
Learn more about SpinDistribute Article Distribution System.

Get the Best Credit Counselor

Article Category: Advice

Author Name: Gregory Haynes

Finding a credit counseling service is the easy part. All you have to do is find the website of the appropriate regulatory body i.e. National Foundation for Credit Counseling (NFCC), then look for a list of licensed counselors. The hard part is finding the most suitable counselor or counseling service for you.

A license is only indicative of a provider meeting the minimum requirements. Below are a few tips to remember when looking for credit counseling services. Remember, these tips are non exclusive, feel free to select the appropriate tips and use the same as you deem necessary.

Search Online

You can make your life alot easier by searching for credit counselling services via the world wide web. Target the regulatory websites and look for the appropriate links within. Websites also have useful information about the do's and don'ts of counseling. You can also verify via search engine if one of your top picks has positive or negative consumer and/or b2b reviews.

Search By State

As much as possible localize your search. You want a counselling service and/or counselor who knows the appropriate state legislation and local ordinance. Not to worry the list of certified counselors can usually be arranged and searched by state. Of course some providers operate on a multi-state basis. When you do talk to a counselor, verify your state of origin or the appropriate states wherein debts are due or the case is pending.

Ask for Referrals

If you have family members and friends who have consulted with a credit counselor before; ask for tips and a referral. This way you start your relationship with trust. Tip: make sure you have the same concerns. At the very least, confirm the specialization of the provider.

Know Their Specialization

As a general rule, debt counselors will promote several specializations i.e. debt settlement, bankruptcy, credit repair, debt consolidation, etc. However, some providers deal with one or two concerns more than any. Tip: ask what banks or lenders they usually partner with. Go to their website, what topics are discussed more than others. Look at the counselor, what is his/her employment background.

Prep for Counseling

You don t just call your counselor and listen. You prepare yourself by reading the information located in their website, or at least within the NFCC website. You then collect relevant documents and information. This includes but is not limited to:
- Employment status
- Gross and net income
- Utility bills
- ALL debts
- All other expenses (monthly or otherwise)
- Ask Questions

You are not looking to get sold one alternative! Granted, in some cases you may have only one option. At the very least you want your counselor to tackle alternatives that are available to you now, and in the possible future. In case of the latter, take down notes regarding the steps you need to take to open up other alternatives

In Closing

If you are undergoing credit counseling as a filing requirement; you must at least meet the minimum minutes of counseling. But you have the option of opting for more time, at your own expense. You can also call anytime thereafter, also at your own expense. Not to worry, some of the best providers charge a minimal fee.

Keywords: Credit Counseling

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