How Can Choose a Consumer Credit Counseling Agency?

There are numerous of people who are struggling with debts and looking for the help to come out of this mess. If you are also the one who is seeking help, then you must consider taking help from consumer credit counseling agency. They have plenty of people who are willing to discuss about your debt problem and helping you to solve it without facing any further problem. But, due to so many agencies open round it became difficult to choose the right and helpful agency. That is why, here we try to explore few possible steps that help you to avoid the cheats and select the right counseling form for you.

Helpful Advice That Helps In Selecting The Right Counseling Agency

Look For A Non-Profit Agency

Selecting the non profit agency is the right choice at it helps in minimizing the cost of getting the credit counseling service. There are lots of non profit counseling agencies available that can provide you the needed assistance. But be careful while selecting the agency because some of them are holding non profit agency status has not legitimacy and there is possibility that they charge high fee that burden your pocket. There are numbers of legal non–profit agencies available that charges the nominal fee to give you the advice and necessary assistance.

Select The Agency With A Long History

Looking for agency having long history will give you assurance that it is legitimate and won’t go anywhere in between of your debt management plan. So try to find the agency that is working from at least 5 to 10 years and have the record to help many people.

Seek An Accredited Agency

Make sure that your selected counseling agency is a current member and have good standings with at least one of the main largest and reputed trade associations. Your selected agency should be accredited by either Council on Accreditation (COA) or the International Standards Organization (ISO). Like non-profit status, accreditation is a good sign that shows by the consumer credit counseling agency.

Make Sure Agency Have Certified Counselors

Try to make sure that the counselors of the agency are professionals and have been certified by an independent organization. Checking about the counselors is important in order to make sure that you are working with a person who knows how to handle bad debts. Only a professional counselor can manage your debts and put you on a right track. In case, counselor is non-certified than it can throw you in bigger well that can lead you to a status of bankruptcy.

Look At The Numbers Of Complaints Registered And Solved

You must check the reliability report of the agency before giving your any information as it helps you to know that your choice is right or not. You can check out the website of Better Business Bureau (BBB) and call to ask for the number of complains registered with your selected agencies and how many are still unresolved. Doing this will let you know the reliability of the agency. Do keep in mind that some complaints will be expected to unresolved, but the maximum number should be resolved.

Things To Remember

Remember that you are going to provide your personal financial information to the counseling agency. So, it is your duty to check out the legality and reputation of the agency before taking any decision.

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