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SpinDistribute.com Article Directory

The following article was published in our article directory on July 17, 2013.
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When Do I Need Credit Counseling

Article Category: Advice

Author Name: Gregory Haynes

Credit counseling is something you are required to do or something you want to do. In case of the former, you need to comply with specific requirements i.e. number of hours, acquire a certificate, include ALL co-borrowers, etc. In case of the latter, you need to be wholly committed to your education.

Most experts agree that you do not need to wait for financial troubles to set in before you call a credit counselor. In fact, contacting the same is a better option than buying a self help audio videos. Chances are those so called experts are paraphrasing licensed credit counselors. Remember, most credit counseling providers are subsidized or non-profit. This means the fee for consultation is minimal. You also do not need to attend an actual class to get counseling. Yes you can, but other options include phone or internet sessions.

Financial Education

The wisest choice would be to contact a counselor now. Ready your income and expense details. This way you actually prevent any future financial problems. Then ask for ways by which you can improve your income stream and regular expenses. Do not forget to take down notes and listen very carefully. By all means, ask questions. A counseling session need not be a one sided monologue, it can also be an engaging conversation!

Overwhelming and Overdue Debts

If you are already buried in debts that are overdue or soon to be overdue, contact a credit counselor. The same can discuss to you several alternatives. Be open-minded, and listen well. A counselor need not be right 100|of the time, but he/she can provide you with a different perspective on what you are doing right and doing wrong.

Prior to Bankruptcy Filing

The bankruptcy court requires you to go thru credit counseling prior to BK filing. The certificate will then be attached to your application form. Failure to attach the document will delay your application or even cause disapproval of the same. If you have a co-filer, it is not enough that he/she listens in. You need to inform the counselor of the same. All filers need their own certificate!

Prior to Debt Consolidation Loan

Some banks and lenders urge or even require credit counseling prior to loan takeout. In theory this ensures that the borrower knows what he/she is getting into.

Tip: be honest with your credit counselor. This allows the same to help you help yourself. Make sure to get that certificate. Never forge a certificate, or lie about getting counseling. Most lenders will verify that you consulted with a licensed credit counseling provider by calling the same.

Debt Negotiation vs. Debt Consolidation

To clarify, debt settlement means both negotiation and consolidation. You do not just consolidate all debts without asking for a discount on the interest, penalties, and principal. The process of negotiation is time consuming and stressful. That is why some consumers choose to let a third party negotiate for them. This is your choice. You can negotiate on your own or ask your credit counselor about third party subject matter experts.

Keywords: Credit Counseling

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