Christian Credit Counseling Services – 5 Things You Need To Know Before You Call…
Christian credit counseling services can be a life saver. Especially if you have found yourself in a debt disaster that looks like it is going to steal your future.
You know the signs that it is time to call for credit counseling help, right? But do you know how to maximize the help that your counselor can offer you?
If not, here you go.
There are 5 key pieces of information you need to gather before you talk to your professional consumer credit counselor. All are easy to get and you can even make your appointment and have plenty of time to pull these things together.
1. You need to know your total debt amount. This doesn’t have to be exact, but a close approximation is fine. When your counseling service is contacting your credit card companies they will be able to get the exact amounts.
2. You need to know your interest rates. The closer you are here the better, so grab those bills that you have piling up and go ahead open them up and take a look. If you are anything like me, it isn’t too uncommon to have a couple from each company laying around. Last month’s that I was just getting ready to pay and another one that came too soon for this month.
3. While you have those bills open, make note of your minimum payment. Not necessarily your current minimum payment because it might include late fees and over the limit fees, but what is the payment if you were up to date.
4. You will need to know your other bills, payments and financial obligations that you have. This will be vital in determining your budget and also deciding how much you can afford to pay.
5. And lastly, how much do you make. Take into your total income, but be conservative. There is no use in trying to impress anyone here. If anything you want to go in a little low so that you build a cushion into your budget.
And that’s it.
The 5 pieces of information are enough to help a professional counselor do their thing.
And when they do their thing, you end up debt free. Ahhh… and debt free is good.
Do you have questions?
Drop them in the comments or use the page above. I am glad to hear from you.
Chad