Credit counseling agency
Most of the credit counseling agency press has been a bit on the bad side. If you were to believe half of what is out here they are all just scams set up to get money from people who are already suffering.

Well, that is just a bunch of propaganda. There are some that are legitimately in the business to help people who are under a lot of credit card debt overcome this. Not to say that there is not a legitimate cause to investigate a credit counseling agency to the fullest. Before you trust them with your cash there are signs that should warn you off the bad ones.

Look for credit counseling agency that belong to an organized network and have some accreditations from legitimate watch dog groups. And do your own investigation, contact the state attorneys office, ask if there are any complaints on the agency. Also check with the BBB they would also have records of complaints filed against a credit counseling agency. If they have a lot of complaints then you would do well to keep looking. If the credit counseling agency is claiming that it can remove items from your credit report this is just not possible. That is a sure sign that the company is not being above board with its “truth in advertising”.

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What generally happens when you sign up with a credit counseling agency is that you are required to send your monthly payments to an escrow account.  When the company is legitimate this is not a problem. You pay them and they disburse payments to your creditors. In a credit counseling agency scam it could be months before you realize that the creditors are not receiving their payments legitimate companies send you and receipt and you also get a statement from the creditors stating they received the payment.

It is your money so protect it by researching the company first. Never sign with the first person that gives you hope. If they want your business they will wait for you to make the decision based on accurate information.  There are distinct advantages to working with a legitimate credit counseling agency, like Debt Consolidations America. One is because it is non-profit there will be low fees and the second is that you have a skilled negotiator and financial planner on your side. Do your home work and you will see that this company checks out.