Counseling for Credit Card Debt Consolidation
When you don't know what to do, it doesn't hurt to ask. Of course, you want to ask a person who you can trust and has the knowledge needed to answer your question. When looking for counseling for credit card debt consolidation you want just that: a counselor who is both reliable and knowledgeable.
One way to find a trustworthy credit counselor is to check out prospects with your local Better Business Bureau. Find out whether they have any complaints against them, and if they do, look elsewhere. The BBB might even be able to recommend somebody to you as well. Another way to find a counselor you can trust is to ask around. If you know of someone who has attended credit counseling in the past, find out if they would recommend the counselor they saw or not. These personal recommendations can be quite powerful.
It is not enough to find someone trustworthy. Without a good amount of experience and knowledge with credit card debt consolidation, the counselor will be of little help to you. It is wise to find out the experience and certification of your credit counselor. You may also want to ask about the goal of credit counseling. Make sure that you will be treated as a person, and not just an account.
Once you have found the credit counselor, they will discuss with you the pros and cons of debt consolidation. They should discuss the ins and outs of debt consolidation loans as well as debt management plans. Based on your situation and the amount and types of debt you have, they should be able to tell you which type of debt consolidation is right for you, or if another solution needs to be found.
Seeking counseling for credit card debt consolidation is wise. With a dependable and experienced counselor you can discuss your options and come up with the best solution for you. The counselor should be able to provide you with specific answers to your questions as well.
Related Tags: credit card debt, debt consolidation, credit counseling, debt management plan, debt consolidation loan, credit counselor
Ronnica Rothe is a graduate with honors from the University of Oklahoma and a current student at Southeastern Baptist Theological Seminary. She works with Personal Financial Network (pfni.net) to help individuals get out of debt and reach their financial goals.
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