Do I Need Credit Counseling?
What does counseling conjure up? Perhaps you think about sitting on the proverbial sofa and telling someone your entire life story? When you put credit in front of counseling it takes on a whole new meaning. Now you have to pour out your entire life, but you have to pinpoint monetary mistakes you made. Credit counseling does not have to be a negative issue. In fact anyone can seek credit counseling if they want to. It does not mean you are in debt or heading towards debt. Instead, the concept is there for anyone who feels like they could use some money management skills. Unfortunately most do not view it this way and decide to seek counseling only after they have hit some rough patches in their financing.
Debts happen not because many of us are careless with money, but we hit upon external forces. There are some people who are guilty of overspending and buying luxury goods.Credit counseling is designed to help all types of spenders where you overspent on flat screens for your home just before you lost your job, needed to spend money to buy groceries or just became to extravagant. The point is that you feel you are in debt or will soon have trouble paying debts and are seeking a solution. Credit counseling is often a good thing to do for your teenager too.
Anyone and everyone needs to learn how to better manage their money. Even if we do live in a society that purports the buy now and pay later concept, it is a very good idea to start learning how to handle money with an eye towards better usage. This is what credit counseling can teach you. It looks for the root of your spending problem. You may already know what the problem is. Anyone who lost their job or tried to find a different and better job but is making less can become in debt. Credit counseling is not a solution to all your debt issues, but it can be a good place to start.
The Twos of Credit Counseling
There are usually two types of spenders:
The person who overspends when their debts start to slide out of control. This person knows they should not spend any more money, but they feel out of control and worried.They start to use their credit card as a crutch. It is difficult to stop because they get tired of not buying what is needed like new pants when their current pair has a hole.
The second person has always had a shopping problem and that is why they are in debt and cannot stop.
Not everyone fits the mold of course and that is why credit counseling needs to find the type of person you are. You might know that you tend to spend when you are depressed. Credit counseling only works if you can address the underlying issue. If you do not find what your main cause to overspending or getting into debt is then it will happen again and again. You might file for bankruptcy and in another ten years be right back filing for it again, unless you use credit counseling to find the issue.
You have arrived at this page because you need credit counseling. You also found there are a lot of sites promising this help, but you are not sure which company to trust. I come in at this trust point working to ensure you have the answers you seek. I have vetted every company reviewed through a strict process. I would use each company I have put my stamp on.
National Debt Relief for Credit Counseling
Deciding which company should be number one is tough when you have several great companies and stiff competition. I reviewed 22 companies and found that National Debt Relief offered you everything on my must have list for credit counseling. They are a company with BBB and AFCC standing. They are also a part of TASC in good standing. I am not the only one to award National Debt Relief with a top rating because in 2016 they received an award for being the top credit counseling company in the nation. National Debt Relief offers you more than counseling. The company also has negotiation, settlement, consolidation, and other relief options.
If you are seeking a company for more than credit counseling you can be assured that your debts will be examined as a whole and not a part. Some companies will take one debt, get it taken care of, and then move on to another. National Debt Relief makes certain you have a solution that is completely fulfilled in as quick a fashion as allowable based on your debt situation.
Freedom Debt Relief
Freedom Debt Relief is second on my top listing. If you have a first company then someone else has to come in second, but it does not mean you should ignore Freedom Debt Relief. Everyone has their own needs when it comes to credit counseling. You should take a look at more than one company to see how comfortable you are with those willing to help you in your debt situation. They have helped with thousands of other clients to provide Tax Debt Relief.
Freedom Debt Relief is an amazing company because they offer a number of resources including those for credit counseling. You can find different articles about loans, credit cards, counseling, settlement, and much more. You also have credit tools like reports, comparisons, and scores. This is a company you might recognize from their advertisements on TV because they are that well known and diverse. Freedom Debt Relief began in 2002, a few years before National Debt Relief. They have earned their reputation as a credit counseling location. Their staff members are intelligent, experienced, and friendly to ensure you are comfortable with getting help. You can always talk with your case manager whether you have a need for counseling or another relief solution. This is just one of my suggestions and you can decide which company works best for you.
Debt Consolidation Care
As my third recommendation you have www.debtconsolidationcare.com. This company is accredited by the BBB and TASC. They are mainly a credit counseling location that is meant to help you get out of debt and stay out of debt by targeting the root of your issue. For more than ten years this company has been around providing you debt solutions in a variety of ways. While their main focus is with credit counseling you can also ask about settlement, consolidation, and negotiation.
From Debt Consolidation Care you will discover why you might want to get credit counseling and who offers it. You also learn how their program works versus other companies. You have the ability to take their program in order to rebuild your credit, as well as find out how to keep out of debt in the future. Counselors explain how to take maximum advantage of all the tips you are provided during your counseling stage.
Along with tutorials and videos about counseling, you will discover plenty of articles on debt related issues are provided on their website. As a handy resource it is like CuraDebt in some ways. Certainly their friendly staff members, experience, and intelligence make them a top company to work with when you need it.