Finding a Consumer Credit Counseling Services Agency

The right consumer credit counseling service can be a lifesaver to those swimming in debt. A reliable, nonprofit agency can advise you on smart uses of credit, guide you in creating an effective household budget, and help structure solid debt management and repayment.

What To Look For in a Consumer Credit Counseling Service (CCCS) Agency

• For referrals to reliable consumer credit counseling services, contact the National Foundation for Credit Counseling (NFCC, http://www.nfcc.org) Agencies who are members of the NFCC, such as our Consumer Credit Counseling Services (CCCS) agency, follow strict standards of conduct, and employ certified credit counselors.
• Professional consumer credit counseling services always provide information on services that could best fit a consumer's needs; detailed information on payment plans; a projected time frame for debt payoff; written confirmation of any verbal guarantees; and contact information including the name of a personalized credit counselor.
• For services provided via telephone, a reliable consumer credit counseling services agency doesn't just offer general advice, but also takes the time to evaluate your individual situation. You will talk with the credit counselor at length before a plan is suggested that best fits your needs. The credit counselor will also discuss the importance of ongoing communication, including regular follow up sessions, balance updates, and account maintenance.
• Though rare, some agencies may pay employees on commission for debt management programs. This may influence their recommendations. Look for agencies where counselors do not receive incentives, and will provide a credit counseling session custom-fit to your individual situation.
• Most agencies will ask you to pay a nominal setup fee with your initial monthly payment to cover the cost of account maintenance. At reliable Consumer Credit Counseling Services (CCCS) agencies such as ours, you should never be refused help even if you have an inability to pay the required fees.