One very helpful resource for getting out of debt can be consumer credit counseling.  The key, of course, is finding a reputable, non profit credit counseling agency you can trust.  Unfortunately, this can often be very difficult to do. 

If you would like to speak to an accredited, non profit credit counselor that you can trust, contact us now or check out our Florida consumer credit counseling directory.

Credit Counseling Can Help you Get Out of Debt

A trusted, knowledgable, and certified credit counselor can be just the person you need to get you on the right path towards financial freedom.  The counselor should take a look at your entire personal financial situation, including your income, expenses, and debt.  Unsecured debts such as credit cards and loans as well as secured debts (mortgages, car loans, etc.) should all be accounted for in your financial analysis.

After learning about your financial situation, the credit counselor should begin helping you formulate a plan to get out of debt quickly.  The counselor should not push you into any one path, but should help guide you through your answers and help you come up with a method that you feel comfortable with.  

The credit counselor should be able to show you some of your options for dealing with debt, which could include benefits such lower interest, eliminating fees, and a lower monthly payment.  The counselor can also help you with a debt management plan if you need and want one.

How to Find the Right Credit Counseling Agency

Unfortunately, the numerous companies that do not have the consumers best interests in mind make it necessary to be very cautious.  When searching for an agency that you can trust, here are a few tips to keep in mind:

  • Check with the Better Business Bureau.  A reputable agency should be a member and have a satisfactory rating with the BBB.
  • Find out if the agency is a non profit.
  • Find out about fees.  Most non profit credit counseling agencies should offer a counseling session for free, or at least with a very nominal fee.
  • Beware of pushy or “salesy” counselors.  Is the counselor really trying to help you, or make a “sale” of some type?
If you are looking for a credit counselor you can trust, you can always contact us or consult our directory.