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The following article was published in our article directory on July 26, 2013.
Learn more about SpinDistribute Article Distribution System.
Article Category: Finances
Author Name: Gregory Haynes
Is it true that credit counseling services or at least a substantial portion of the same is funded by banks and lenders? The answer is yes. Is it true that because of the same funding, counseling is biased, useless, or misleading? The answer is no. This article will discuss some controversies hounding the credit counseling industry.
Counselors Give You Options
Depending on your financial situation, counseling services will give you several options. One may be more suited to you than others. At the very least a counselor will discuss why some options are not right for you. Below are a few alternatives that may be discussed:
- Doing nothing
- Debt settlement
- Credit repair
- Foreclosure
- Bankruptcy
- Getting a new job
- Additional Income streams
- Counselors Do Not Make the Decisions
Counselors can only give you financial information. If you did your research, read up on the basics, and made sure to have the necessary information, then you can even lead the conversation. Of course, first you need to listen to the counselor. Then you make the same listen to you and tell you what you want to know. At the end of the day, you have the final say!
Counselors State Facts and Figures
Credit counselors will not speak without basis. Go ahead, take down notes. If you find something suspicious, or do not fully understand something; ask a question. Ask for clarification. Ask for their basis. You can even raise a few points. Argue if you must, but do it intelligently. And keep an open mind.
Counselors Are Regulated
The government does not directly regulate counseling services and counselors. That job is left to national and state wide quasi-social service agencies like the:
- National Foundation for Credit Counseling (NFCC).
- Association of Credit Counseling Professionals
- Counselors Give You the Other Side of the Coin
Sometimes you may not want to hear it, but it is also good to get another perspective. This allows you to see the bigger picture. You do not need to comply with every little detail that is discussed to you. But you need to make sure to decide and follow thru on your decision with the proper procedure.
You Are Free to Get a Second Opinion
Granted, there may be a few sellouts. But a consumer is not stupid. If a counselor seems to be pushing an agenda or a particular solution without proper basis, you are free to end the call. Or better yet, argue intelligently with the counselor. Then get a second opinion. Remember, sometimes you really just have one viable alternative FOR NOW. If you play your cards right, then in the midterm or long term, other options may open up.
In Closing
A consumer avails of credit counseling either voluntarily or as a requirement i.e. loan application, bankruptcy, etc. In any case the fee collected is minimal. Some agencies are subsidized. Some agencies are non profit. In any case, if you are complying with a requirement for application you must meet the minimum number of hours. BUT you have the option of paying for a few more hours. Remember: make the most of your time with the counselor!
Keywords: Credit Counseling
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