How do you choose a good debt consolidation agency? There are a few simple steps to follow that will ensure that you receive the best service from a debt consolidation service.
When you are searching for help with your financial problems you need to make sure that the help you receive is not from just anyone.
There are disreputable companies out there that are stealing money from people already in financial distress and giving them nothing in return.
Begin by verifying that the company is real.
Check with the department of corporations to make sure they are registered to do business in your state.
Contact the Better Business Bureau and the local Attorney General Office to see if there are complaints listed against the company.
All three of these steps can be done for free and on the computer at your convenience.
Never pay for services up front.
Many of these "hit and run" companies are requiring clients to pay for financial help up front and after they collect enough fees they disappear.
Reputable companies will have a standardized list of fees that will be incorporated into your debt repayment structure, NEVER pay up front for services you have not received.
Once you have found a service that is trustworthy, verify the credentials of the credit counselor.
It is not too much to ask how them to show how they are qualified to assist you.
You want to make sure you are dealing with individuals that are trained to help.
Finally, ask around.
With so many people going through financial turmoil right now it is not hard to find someone else that has used a debt consolidation service.
Ask them what their experience was and how their problems were resolved.
Many times this is the best form of information and will allow you to choose a company that comes highly recommended from someone who has used their services.