How to Get Counseling For Credit Card Debt
The problem with having credit cards is that too many people overcharge and find themselves in deep with high-interest credit card debt. It is very difficult to dig yourself out of credit card debt, but is so easy to get into.
Credit card balances that are unpaid are easily the worst kind of debt. You need to create a plan to pay this debt off, and make it a top priority.
If you find yourself deep in credit card bills, counseling for credit card debt can help.
Credit Counseling Services
Several credit counseling companies are non-profit and offer counseling for credit card debt. They will offer to help you solve these financial problems but you'll need to be aware that just because a company or organization says it is "non-profit," there is no real guarantee that its debt counseling services are free or even legitimate. Some credit counseling companies even charge high fees.
Services are offered by most credit counselors through local offices, the telephone, or even the Internet. You need to find an organization that offers in-person counseling for credit card debt. Some good sources of information and/or referrals are financial institutions, your local consumer protection agency, and friends and family.
Steps On How To Get Counseling For Credit Card Debt:
1. Check the Yellow Pages under the credit and debt counseling section. You will find numerous agencies that offer debt counseling services. Go through a few of these services and select a service provider that takes the lowest percentage of your payment.
2. Search for debt counseling using a good search engine. There are several debt counseling websites that provide online services. Be sure to check the legitimacy of these organizations with the Better Business Bureau before providing any information.
3. Set up an appointment with a debt counselor to look into your finances and debts.
4. Discuss and prepare a payment plan with the credit card debt counseling service to have your debt repaid.
5. The debt counseling company must be paid on time. Credit card companies must also be paid on time or your credit will be affected.
Protect Yourself From Fraud
Don't give out any of your credit card or personal info to self-proclaimed credit counseling companies without first verifying that they are legit in order to avoid a scam or identity theft.
Where you'll get counseling for credit card debt is your own personal choice. Just be sure to get these services from reputable credit counseling companies.
