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Finding a Good Credit Counseling Service < Curadebt, Fee, Curadebt.com, Complaints, Reviews
What Fees Do Credit Counseling Services Charge?
Before you sign up for credit counseling services, it is important to learn what fees they charge and how those fees are paid. Avoid a service which charges large up-front fees. Don't be put off by a service which collects a commission from your credit card company or other creditors for managing your debt, but be wary of one which will take a big slice of your monthly payment to cover its curadebt commissions even before it services your debts.
Some services suggest that it is better to work with a service which charges you a large fee, rather than deriving the bulk of its fee from discounts and rebates from your creditors. Keep in mind that creditors work voluntarily with credit counseling and debt management companies, and are paying any fees or rebates voluntarily. Also, some firms which charge you a great deal of money will still attempt to collect rebates from your creditors complaints to fatten their fees.
You should request that your credit counseling service provide you with monthly statements for their debt management plan, reflecting the amount you paid in, the dates and amounts they paid to each of your creditors, and the amount of their fees.
Where Are Their Offices?
Some credit counseling services operate at a distance, while others make a point of meeting with debtors in a local office. You won't necessarily save money by using a service which doesn't offer a local office, and sometimes it is easier to make curadebt.com and stick to a budget when you are working with somebody face-to-face. Also, local credit counseling agencies sometimes offer educational programs or classes, which may benefit you when you are deciding if you need credit counseling services, and may provide further assistance while you are participating in debt management.
It is okay to work with a credit counseling service over the phone, particularly if you are embarrassed about meeting your credit counselor in person, but you should take care to verify that any service without a local office is in fact legitimate.
Who Is Your Counselor?
With some services, to the extent possible you will receive services through a specific credit counselor assigned to your case. With others, you will get whomever happens to be available at the time of your call or curadebt reviews appointment. If you want a more personal relationship with your credit counselor, you may wish to confirm that your service will assign you to a specific counselor, and that you are comfortable with the counselor assigned to your file.
What Services Do They Offer?
While a typical credit counseling service offers budgeting assistance and debt management services, most established services also offer educational programs. These may take the form of classes and seminars, self-study programs, and Internet programs. Try to work with a service which will do more than simply set up a repayment plan, but will help educate, support and guide you through the resolution of your debts. If educational materials or programs are offered, ask if they are included in the fees you are already paying curadebt.com or if there are additional costs or fees.
What Promises Do They Make?
If a service is promising to resolve your debts for pennies on the dollar, suggests that they can "repair" your credit by removing accurate information from your credit report, or promises you that its debt complaints management program will not affect your credit rating, be skeptical of the curadebt service. No credible or ethical credit counseling agency will make that type of promise.
What Accreditations Do They Have?
It is wise to seek credit counseling through a service accredited by the Association of Independent Consumer Credit Counseling Agencies or the National Foundation for Credit Counseling. It is far less likely that an accredited curadebt organization will charge excessive fees or try to take advantage of you, than it is for an organization which is not accredited.
Article Source: expertlaw.com
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