==== ==== Thrifty Living Info You Need to See Visit: Thrifty Living ==== ==== By Yvonne Kelsinger If you are a consumer having a hard time paying their bills, you need to turn to debt counseling services for guidance and solutions to your problem. Counseling services of this sort offer money management courses, budget counseling and debt relief. Even though there are many counseling services out there that are reliable, there are some that will dig a hole in your pocket by charging high fees and not offering the type of counseling services they should. Reliable counseling services will not only teach you personal finances, but will help you in no small measure consolidate all your debt into an affordable monthly payment once they know it is in your best interest. In this article, I will guide you on how you can choose the right counseling services that will offer the quality services that you need. Shop around for counseling services that offer an array of services and prices that are clear from the start. In a similar fashion as you would do for other products and services, you should compare prices and services. If you heed to this advice and compare various counseling services, you will find a reputable debt service that will not cost you a fortune and still live up to quality expectations. Do not go for counseling services that bill you large fees with a promise to return all or part of the fees when you have finished the program. Make a list of three to four counseling services that you are interested in working with. You may contact them online or over the phone. Ask specific questions as regards the fees and services. In addition, be only the look out for straight replies to your questions and the willingness to reveal every service and fees from the very start. Inquire if the counseling services offer other services like a free budgeting session or other personal finance tips and workshops. Make sure you check for third party accreditation such as the Association of Independent Credit Counseling Agencies or National Foundation for Credit Counseling. Do not forget to note the certifications and training for the counselor you may want to choose. Pay rapt attention to what the counselor has to say online or over the phone. Pay attention to the time the counseling services can afford to spend with you and the information they offer. Do not choose counseling services that will not get all your facts before suggesting a debt management plan. Tread with caution when you are dealing with non-profit counseling services. It is wise to find out how such agencies are funded and inquire about their fees. That some debt counseling services are registered as nonprofit does not mean that their fees are reasonable. In fact, I have seen nonprofit counseling services that charge even higher fees than their profit counterparts. So, look carefully before you leap! Article Source: http://www.streetarticles.com/debt-management/how-to-choose-debt-counselingservices
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