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You may be leery to use credit counselling services because of the horror stories you've heard about people being duped, but the good news is that there are legitimate companies around that you could use for help with your debt problems. It's up to you to find the right company, though, and this can take some work. Here are three qualities you should look for when selecting a company to use to help you get out of debt.
Realistic Promises
You've probably heard the saying, "If it's too good to be true, it probably is," and this is a great saying to keep in mind when selecting a company. If you talk to a credit counselling firm and hear news that sounds too good to be true, it might be wise to be skeptical.
While credit counselling services can help you get out of debt, these companies are not miracle workers. They cannot eliminate thousands of dollars of debt in just a few months, and they cannot simply wipe away debts you owe.
Make sure you thoroughly discuss your situation with a firm and get the solution in writing before proceeding. If the plan seems reasonable and realistic, it is probably a decent plan to use for your debt problems.
Non-Profit Agency
The second thing to look at is whether the agency is non-profit or for profit. Generally speaking, non-profit credit counselling firms may offer programs that are more effective, simply because they are not trying to earn large profits each year. A non-profit agency will still charge fees, but the fees are more likely to be lower because they are only used to cover the expenses of the business.
Help and Education
Finally, a good credit counselling program should not only offer a solution that helps you eliminate your debts, but it should also offer educational services that teach you how to:
Using a debt elimination program can help you get rid of your current debts, but without the proper education you may end up in debt once again after completing the program.
There is no better day than today to begin looking for the right debt elimination plan, but make sure you investigate a company before signing up. To learn more about how these services can benefit you, contact a company that offers credit counselling services {such as David Reynolds & Associates Inc}.
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