Free Christian Debt Counseling Is Tricky, Know These 3 Things Before It’s Too Late…
Knowing that free Christian debt counseling is available when you are in deep financial trouble, can be reassuring. And yet it may not be enough.
There are tons of counseling services whose help can range from helping you completely restructure your debt, to reducing or even eliminating all of your late fees.
Here’s where it get’s tricky.
With all of the options you have, how can you guarantee that the service you are selecting has strong relationships with your credit card companies and actually know what they are doing so that they can help you negotiate a smart payment plan that puts you back on the road to financial health?
One way is to make sure you know the answers to the following 3 essential questions you must ask the Christian counseling company you are considering.
#1 Do they “front-load” their entire fee into your first payment to them?
- Why does this matter? Some companies will take their “service fee” out of you first payment to them. When they do this, you will become automatically 1 month behind with all of your creditors.
#2 Are they a member of the Independent Consumer Credit Counseling Agencies (AICCCA)?
- Why does this matter? This is a national organization dedicated to honesty and integrity in debt counseling services both online and off.
#3 Is your money problem about more than financial management? Is there anger, stress, anxiety or depression to go along with the bills?
- Why you should care. Dealing with the stress of money and all the problems that go along with too much financial strain may require professional help. A good counseling service should be able to help you uncover the roots of your money problems.
That’s not an exhaustive list of things you should know, but it will get you started in the right direction.
Your goal should be to find a service that will help you more than they are out to help themselves.
Knowing these three essentials will help you weed out the ones just looking to scam you out of a quick buck.
Good luck and let me know who you find!
Chad