Debt levels are at their worst in America. Consumers who own more than 3 credit cards often find themselves robbing Peter to pay Paul. Non profit credit counseling agencies are a good place to begin. A consumer counseling agency will provide you with necessary guidance to set up a payment plan and to help you make easy payments.



When do you need help from a non profit credit counseling agency?



A> You have worked really hard on your efforts but success just seems to be a distant cousin. B> Per your budget and calculations, it will take more than 5 years to pay for the debt. C> You find yourself not able to pay even the minimum due each month on your credit card bills. D> Collection agencies call you at your home or office.



How to choose a non profit credit counseling agency? With the plethora of credit counseling agencies that exist today, it can be a daunting task to select the right one. The agency you select should be affiliated with the National Foundation for Credit counseling.



You might also want to contact your local BBB and find if there were any previous complaints against them and how they were resolved. Avoid companies having too many complaints.



Additionally make sure they are licensed to provide credit counseling services in your state.



Know your credit counselor not just the counseling company.

Ask for the counselor who will handle your counseling, his experience in the relevant field and his accredition.



Ask the counselor how he is paid. Ask if the credit counselor is paid on salary or commission. If the counselor is paid commission, then they might push you into accepting a debt management plan (also known as the DMP)



I hope the above outlined information will be helpful in selection the right credit counseling organization. Good luck in your endeavor.



Bill Smith is a debt counselor for Ameri debt consolidation services. Visit us at http://www.americredit services.com/ and http://www.americreditservices.com/credit-coun seling/credit-counseling-1.htm for non profit debt consolidation services.

About the author:

Bill Smith is a debt counselor for Ameri debt consolidation services. Visit us at http://www.americredit services.com/ and http://www.americreditservices.com/credit-coun seling/credit-counseling-1.htm for non profit d