Whether you are planning on filing for bankruptcy or simply need assistance developing a budget, credit counselors can provide you with the tools and resources you need. Unfortunately, not all credit counselors are created equal. In fact, some can leave you worse off than when you started, which makes finding an experienced, reputable credit counselor absolutely essential for your financial future. The following tips can help you find the one most suited for your needs and preferences and improve your chances of finding the financial empowerment you are looking for.
Know Why You Need a Credit Counselor
Each credit counseling agency and provider has an area they are most skilled at. As such, it is critical that you first know why you need credit counseling. To find the answer, consider your goals and examine your current financial situation. If you are filing for bankruptcy, then you will also want to ensure you find a credit counselor that is approved by the United States Department of Justice since those who are not accredited will not be accepted by the courts.
Check and Verify Credentials and Qualifications
While credit counselors that are listed on the Department of Justice’s website most likely carry some of the highest levels of certification and meet some of the most stringent government standards, it is necessary that you check and verify the credentials and qualifications of all other credit counselors. The National Foundation for Credit Counseling and the Financial Counseling Association of America are both renowned agencies that ensure quality of certified professionals, but the Council of Accreditation is also a reliable accreditation held by qualified credit counselors. You may also wish to check the agency’s rating with the Better Business Bureau to determine if they have any major complaints from other consumers.
Practice Patience and Diligence
When you are dealing with debt issues, it can be easy to get in a rush. You want to finally be free, to feel like you are making some sort of progress, but this is not the time for impatience or hurried decisions. Many consumers spend weeks, months, or even years working with a credit counselor to fully resolve debt. If you are not working with someone who has your best interest in mind, that can mean a lot of wasted time and money, and it could even hurt you in the long-run. Take your time, be patient, and practice due diligence so that you can find a credit counselor that best suits your needs.
Need Help Paving a Debt Solution Path? Planning on Filing Bankruptcy? We Can Help
Whether you are looking to file for bankruptcy or need help finding an alternative path, the Law Offices of Eric Zelazny can help. A skilled bankruptcy attorney and CPA, Attorney Eric Zelazny has more than 20 years of experience in assisting consumers and small businesses with their debt and bankruptcy issues. Put your debt problems behind you. Call 708-888-2299 and schedule your free initial consultation with a knowledgeable Tinley Park bankruptcy attorney today.