Credit Help Center

When it comes down to fighting debt, I’m an advocate of a company that is going to help you, rather than be in it for the money.  Sadly, there are a lot of companies out there that are going to take your money and run.  In return, you’re going to be stuck with more money, as well as a bigger headache.

Going on the hunt for a non profit credit counseling service isn’t the hardest thing in the world, but I wanted to give you some pointers that you can use, if you don’t want to use the services on my list listed below.

How to find the best company

Call them up: I know it can be hard to meet with some companies face to face, but there are a lot of great ones online that you can use.  Any company that has contact information tends be legit.  If you’re finding that the company only has an email address, you may be in trouble if you have to ask a lot of questions.

How do they work? If they are going to ask for money up front, you may have to think things over.  A solid company is going to allow you to meet with a counselor first, where you can explain your needs.  While I understand that some companies have smaller fees, you will want to make sure that you’re not paying more than $100 for a set up fee.

What is the best way to start?

The best way to find a counselor in your area would be to start with the NFCC.org.  You will just have to give them your zip code and they will help you find a company that will work for you.  You can either meet with someone in person, or if you wish to remain anonymous, you can talk over the phone, or online.  It’s really your own personal preference.

Some cool stats to look at…

Every year, more and more people get counseling to help them with their debt.  Last year alone, over 3 million people signed up.  Out of those 3 million people, over 30% were able to get the help that they need.  On the other hand, around 40% dropped out for various reasons.

If you have debt problems, don’t be afraid to get professional help.  There are a lot of companies out there that are more than willing to help without taking away your money.  It’s your duty to do your homework, have motivation, and become debt free!

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