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So, you've decided to seek help eliminating your current debt, and are contemplating partnering with a Credit Counseling Agency. Before you choose an agency, protect yourself by asking the right questions. Then, after reviewing your answers to these questions, you can make an informed decision on whether or not a Credit Counseling Agency is the right option for you.

Question 1: What Are Your Needs?

Are you looking for someone to set up a debt consolidation program for you where you pay monthly payments to pay off your debt? Or, are you just looking for assistance in creating a monthly budget so that you can allocate a specific amount of money each month to pay off your debt? In general, the more you can do yourself, the more money you save.

Question 2: How Much Discipline Do You Have?

Do you need someone to help motivate you to stick to a plan? Or do you need guidance in learning how to control your spending habits? If so, then credit counseling might be the answer for you. Once you have decided to seek the services of a Credit Counseling Agency, it's time to choose the appropriate agency. One of the best ways to do this is to ask the next 3 questions.

Question 3: What Services Do You Offer?

The agency you choose to do business with should offer a wide range of services including debt consolidation programs, debt and savings management classes and budget counseling. An agency with a variety of services is better equipped to assist you in creating a long-term plan that meets your needs.

Question 4: What Are Your Fees?

I recommend that you get a complete list of fees including the initial fee, the application fee, and any maintenance fees. If the company does not offer this in writing or is vague about fees, do not sign up.

Question 5: What If I Cannot Afford to Pay Your Fees?

Reputable companies will make every attempt to work out a plan to fit your situation. Avoid companies that guarantee they can remove unsecured debt (credit cards and student loans to name a few), require substantial monthly service fees, recommend that you stop paying your creditors or promise you that their system will not have a negative impact on your credit rating.

After your research is done, make your final decision. Even if you decide not to work with a Credit Counseling Service, your research was well worth the effort. It saved you time and money.

Marian Holton-Manuel is the Founder and Publisher of SaveMoneyDebtFree. She specializes in assisting men and women become debt free and financially independent by offering a variety of resources. You can reach Marian for more tips on eliminating debt and saving money at www.savemoneydebtfree.com.

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