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You often see the ads for credit counseling during the commercial breaks, and you might think you are too far in debt to bother with such a service. However, if you take the time [link widoczny dla zalogowanych] to discover the benefits of having an independent counselor review your debt situation, you would be better off for it. Debt counseling is not for people whose debt situation is beyond repair. In that case you [link widoczny dla zalogowanych] make want to talk with a bankruptcy trustee. But if you have moderate debt, you may want to take the time and visit one of these credit counselors in your local [link widoczny dla zalogowanych] area.
Credit counselors act as a go-between you and your creditors. They negotiate with your creditors to allow you reduce your monthly payments. Sometimes, depending on your situation, and how you manage your credit, they could arrange to have some fees reduced or removed. But their main task is working out a manageable repayment plan that both you and your creditors can live with. Creditors don't like to accept reduced payments, but they much prefer to have a reduced amount than to have you [link widoczny dla zalogowanych] skip town owing [link widoczny dla zalogowanych] the full amount of your debt. Your creditors will work with the credit counseling agency to secure their money, and give you some breathing room.
However, once you decide to seek counseling for your debt, you would need to consider several factors before deciding on the right credit counseling service. Pay attention to these four points as you narrow your search for helpful advice:
It is important the firm have qualified employees who have enough financial training to help you. They don't have to be accountants, but must have the basic education in credit counseling.
Is the agency accredited? It takes money to [link widoczny dla zalogowanych] have [link widoczny dla zalogowanych] your firm accredited by most standard setting bodies, so some firms shy away from such accreditation. On the other hand, some firms hide their shady dealings behind the same standard setting [link widoczny dla zalogowanych] bodies. And it is sometimes [link widoczny dla zalogowanych] difficult to tell who is legitimate. So start with the accredited agencies, but check them out before you decide to choose one. However, keep in mind that many of the agencies listed are nonprofit bodies.
The Fees that they charge. Any of the better credit counseling services [link widoczny dla zalogowanych] will only [link widoczny dla zalogowanych] charge their clients a small but reasonable monthly fee around $30 for [link widoczny dla zalogowanych] the use of their services. However, you may find that some also charge an up-front fee around $50.
Application to a Credit Counseling Service. When applying for the services for credit counseling the company should clearly state what their fees are, what are the services they provide, and how long it takes them to work on your application.
You should have these four points in your mind before you begin working with a reputable credit counseling agency. Once the application phase is over, you should be well on your way to
managing your debt. This means, you can reduce the stress that comes with carrying a heavy debt load.
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