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How to Choose a Credit Counseling Service
发布时间:2013-01-15   点击:   来源:本站原创   作者:W2L2C4E53Y

Living with large amounts of credit card debt can be a frustrating,air jordan pas cher, frightening experience, especially when plagued with out of control fees,hollister, interest rates, and constant phone calls from debt collectors. Credit problems can lead to desperation, so if you have found yourself in such a predicament,hollister deutschland, be wary of credit counseling scams with enticing claims to get you out of debt and repair your credit score instantly. As enticing as these claims may be, the truth of the matter is that there are no-quick fixes to get out of debt,louis vuitton pas cher. Agencies promising a quick-fix often charge extremely high fees and may even use illegal methods to get customers out of debt.

In addition to agencies running scams, customers should always proceed with caution when it comes to credit counseling companies who work on a for-profit basis. These agencies have a tendency to steer all of their customers toward costly debt management plans with hidden fees and charges.

Why Choose Non Profit

The most reputable Credit card counseling services are those that are not for profit,air jordan. A non-profit credit counseling program will always keep your best interest in mind and will work on your behalf to get you out of debt,abercrombie, repair your credit, and provide education to help you avoid financial problems in the future. Though debt management plans certainly are the most appropriate course of action for some clients, there are other options that are available as well, depending on the different needs of different clients,loubouttin pas cher. Some clients may need to take more extreme measures such as filing for bankruptcy,hollister outlet, while others may simply benefit from setting a household budget. Credit counselors at non-profit agencies use a comprehensive approach to assess their clients’ financial situations on a case-by-case basis. Non-profit agencies work with their clients to explore all possible options for debt relief and achieving financial stability,casque beats.

Look for Accreditation

When choosing an agency,loubouttin, look for a credit counseling program accredited by the National Foundation for Credit Counseling,hollister. Agencies accredited by the NFCC meet a high set of standards ensuring the protection of clients seeking help in managing their debt. Services provided by an NFCC accredited agency must offer consumer education programs, provide clients quarterly financial statements, work with clients to come up with an action plan for reducing debt and staying out of future debt. The standards followed by a non-profit credit counseling program are client-centered and tailored to meet the specific needs of individuals who seek their services,hollister.

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