Sometimes you may feel overwhelmed by debt. There are too many bills, mortgages, credit card bills, etc, that your monthly pay just seems to flow out of your hands this way. If debt is what is worrying you no end then there is a solution at hand. There are non-profit debt consolidation organizations that offer a number of non-profit debt consolidation services.

Non-profit debt consolidation services are like any other debt consolidation service except that they charge lesser fee (since they are non-profit services). Their umbrella of services includes debt counseling, family budget creation and arranging a debt consolidation loan. They might also provide debt negotiation/settlement service i.e. try and negotiate with your creditors to waive off extra charges and total loan balance in order to make your total debt less than what it was.

Non-profit debt consolidation organizations are much in demand because of their minimal fee. But this also means that there are fraud organizations that are looking to take advantage of this demand and dupe people. So, how do you choose a non-profit debt consolidation company to help you with your debts?

How to choose a non-profit debt consolidation company?

1. Choose a reputed debt consolidation company: Choose a company that is well known and comes across as honest and committed. Consult family and friends and get their opinion and feedback on a company you want to zero-in upon. Look up the Internet and also find out from previous customers if the non-profit debt consolidation company is as good as it appears to be.

Check up with the Better Business Bureau and the National Foundation for Credit Counseling to verify the credentials of the company.

2. Don't be swayed by false promises: It is always essential to remember that it will take time to get out of debt. There is no magical trick that can solve your debt problems in a day (or, for that matter, weeks). Don't believe a non-profit debt consolidation company that tells you that you can get out of debt in a few days or weeks.

3. Be careful about the amount of personal information you disclose: This is important because some personal information like your credit card number can be misused. Only let the company knows the absolute essential personal details and don't reveal the rest. In fact, this is one important reason why you must choose a trustworthy debt consolidation service.

4. Check if the company is really non-profit: Some companies might claim to be non-profit debt consolidation companies but actually charge you a lot of money as fee etc. These are the ones you need to avoid. So, check the fee and terms upfront.

While choosing a non-profit debt consolidation company it is most important to choose one that has your interests at heart and something that suits your purpose perfectly.

These are some of the key tips that you can consider while choosing non-profit debt consolidation programs offered by non-profit debt consolidation companies. These tips should give you a good start.