If you find yourself saddled with large amounts of credit card debt, you may want to consider turning to a credit counseling service to help yourself develop better money management skills. However, before you enlist an agency, consider some of these questions suggested by CTWatchDog.com.
Credit card counseling services are intended for persons who are struggling to make their minimum payments. If you are successfully managing your debts on your own, there is no need to enroll in one of these organizations.
The news source suggests asking the credit counselor about all of their fees, whether they be initial payments or monthly charges. It would be wise to compare these fees with other organizations before picking a credit counselor. Ask for all of this information in writing.
It may be wise to ask the credit counselor what their plan is, and how long it will be until you have paid off all your debts. Additionally, the news source urges you to ask them about their certifications and training.
MSNBC recommends that anyone trying to become debt free.
should stop using their credit card when shopping, and instead use personal finances to pay for any necessary purchases.