Posted by kakashi | Friday, April 16, 2010
If your debt situation has gotten to the point where you can no longer handle it personally, then debt consolidation might be one of the choices you have of dealing with your debt problem. Debt management programs are for people who are behind on their bills and in financial distress. The companies are designed to offer financial advice and a plan to manage your debt. There are several debt consolidation agencies out there and you need to know what to look out for in selecting the right agency for you.
1. Check if the agency is accredited
Find out the agency's credentials from the Better Business Bureau in your state. They should have records of complains lodged against the agency. Do not sign with a company that is not licensed. A phone call to the NFCC (National Foundation for Credit Counseling) or AICCCA (Association of Independent Consumer Credit Counseling Agencies) should be able to get you a referral to a reputable agency in your state.
2. Determine if they offer the service you require.
Inquire about the debt consolidation programs of the agency. A good agency will have different programs tailored to meet the peculiar debt situations of their clients. Stay away from agencies that offer a standar4d one-size-fits-all service.
3. Check if the counselors are certified
The last thing you want to happen to you is to end up in the hands of amateurs and inefficient counselors that might worsen your debt situation. A good debt consolidation agency should have a good number of highly trained staff.They should have people with the right training and expertise.
4. Find out if they offer training on budgeting and financial management
Most people get into debt because they lack these skills. Part of the responsibility of a good debt consolidation agency therefore, is to provide training in budgeting and financial skills for their clients. The best agencies are always ready to help you and give you free consultation regarding the debt problems you have.
5. Be clear about all payments
Debt consolidation agencies might charge a small application fee. Non-profit agencies usually don't but might ask you for a monthly donation. Ask about every fee you have to pay. Make sure you are not roped into ant hidden charges. Beware of agencies that want you to an upfront fee before checking your credit status and putting on a program.
Check out the link below:
Debt Information Center to get more free information on debt management and consolidation.
Article Source: http://EzineArticles.com/?expert=Titus_Hardin
at 12:33 PM | Labels: Debt Consolidation
Posted by kakashi | Sunday, February 21, 2010
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