If you have more questions about debt collection and repair, it's a good idea to contact a non-profit
debt counseling agency in your area.
The advantage of using a debt settlement attorney is clear: Rather than having to negotiate directly with creditors, or sort through
many debt counseling agencies to find a legitimate one, you have an experienced negotiator do it for you.
While there are numerous
reputable debt counseling agencies that can help you manage your finances and consolidate debt, there are many disreputable agencies, so be sure you investigate their reputation and terms before signing any paperwork.
How to Prevent Identity Theft According to one
non-profit debt counseling agency, some 40,000 consumers each year are victims of this crime, which is a serious type of fraud.
When you have too much debt and are considering filing for bankruptcy, you'll be required to seek pre-filing credit counseling from a
nonprofit debt counseling agency.
Choose
a debt counseling agency that offers classes or workshops on managing money.
A debt counseling agency can help to stop collectors from bothering you, stop late fees and reduce interest rates via a debt management plan (DMP).
Although past bad credit can stay on your report for several years, working with
a debt counseling agency can still help you get approved for credit at some point in the future.
Find a reputable
debt counseling agency to give you tips and tools to budget and pay off credit card debt and other bills.
Debt counseling agencies can also tell seniors about programs that can save them money on utilities, insurance and medical bills.
«After I signed up with ACF, I started hearing really bad things about «
all debt counseling agencies».
These debt counseling agencies can get your debt settled quicker than if you were trying to do it all by yourself.
We'd say that
a debt counseling agency is the first line of defense.
A debt counseling agency can help you put together a debt reduction plan and work through the issues that are contributing to your problems with debt.
A debt counseling agency can provide you with plenty of ways on how to consolidate debt.
Make sure you are getting a written agreement from
the debt counseling agency that all services are kept confidential.
Although many people can tackle their debt repayment plans on their own, you may decide that you need the structure of
a debt counseling agency's program.