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What You Need to Know to Make an Informed Decision
Credit is a slippery slope, and as a result, consumers often find themselves frustrated and overwhelmed by their debts. A service known as credit counseling is occasionally used by consumers to prevent their descent into financial insolvency.
By working directly with creditors, credit counseling firms help consumers create payment plans which enable them to manage monthly cash flow and pay off past-due debts in a timely manner. However, while credit counselors often can negotiate better interest rates, your principal debt amount doesn’t change, and it will still take years to pay off those debts!
The Downside of Credit Counseling
Consumers who are considering the services of a credit counseling firm should always know what they’re getting into before they sign on the dotted line. While many credit counseling firms are true non-profits, other more unscrupulous companies have been known to misuse their “non-profit” status by charging their clients exorbitant fees or pressuring them to make large contributions which only compound their problems.
While credit counseling can be a good option for some, it is always wise to be aware of the following pitfalls and problems inherent in the industry:
- High up-front or monthly fees.
- The refusal of firms to provide consumers with free information on their services unless they are provided with confidential financial documents first.
- The attempts some firms make to enroll clients in Debt Management Programs without first making a thorough examination of their financial situation.
The Credit Counseling Alternative
If you’re experiencing financial difficulties due to overwhelming debt, if creditors are calling and you think you have nowhere to turn, there is an alternative to credit counseling—debt settlement through Debt Consolidation Service, Inc.
Fill out our simple contact form or pick up the phone today. One of our experienced debt consultants will be more than happy to tell you more about how we can help resolve your financial situation through one of our exclusive debt settlement programs.
The consultation is free and there’s absolutely no obligation.
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888-735-0040
