Credit Counseling - Can It Get You Into More Trouble? - Page 2
Choosing a Credit Counseling Organization
Find out if they are willing to send you free information about themselves. You are looking for firms who are willing and open about themselves and their policies. If they hassle you for an appointment or want too many details from you before they send you anything, go elsewhere.
What you want to get from a Credit Counseling Organization, to start with, covers the following:
1- Are they licensed to offer you services in your state?
2- What are their set-up fees?
3- What are their monthly fees?
4- Are there any other fees or contributions required?
5- What are the qualifications of their counselors?
6- Are their counselors accredited and/or certified by an outside organization? If so, by whom? If not, how are they trained? Third party certification adds an independent unofficial auditing that is helpful.
7- How do their counselors get compensated? You want to avoid anything that resembles commission.
8- What assurance do you get that your private information remains confidential and secure?
9- What services do they offer?
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