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".....Will I have a formal written agreement or contract with you?Don’t sign anyth.....
.....management, services, organization, credit, counseling, debt, financial, credit counseling, debt management, plan, pay, dmp....."

What services do you offer?

Look for an organization that offers a range of services, including budget counseling, and savings and account management classesAvoid organizations that push a obligation management suggestion (DMP) as your only option before they spend a significant amount of time analyzing your financial situation.

Do you proposal information?

Are doctrinal materials available for free? Avoid organizations that charge for information.

In accession to helping me solve my immediate problem, will you help me develop a conception for runaway problems in the future?

What are your fees? Are there set-up and/or monthly fees?

Get a specific cost quote in writing.

What if I can’t afford to pay your fees or make contributions?

If an organization won’t help you you can’t afford to pay, look elsewhere for help.

Will I have a formal in writing concert or come to terms with you?

Don’t sign anything without reading it first. A DMP alone is not credit counseling, and DMPs are not for everyone. Make sure all verbal promises are in writing.

Are you licensed to presentation your services in my state?

If not, run.

What are the qualifications of your counselors?

Are they accredited or certified by an outside organization? If so, by whom? If not, how are they trained?

Try to use an organization whose counselors are trained by a non-affiliated party.

What assurance do I have that enlightenment about me (including my address, phone number, and financial information) will be kept confidential and secure?

How are your employees compensated?

Are they paid more if I sign up for certain services, if I pay a fee, or if I make a contribution to your organization? If the answer is yes, consider it a red flag and go elsewhere for help.

Debt Management Plans (DMP)

If your financial problems stem from too much insolvency or your inability to repay your debts, a credit counseling exercise may recommend that you enroll in a debit management plan. Even if a DMP is appropriate for you, a reputable credit counseling organization still will help you call a budget and teach you cash management skills. Consider signing on for one of these plans only a certified credit counselor has spent time thoroughly reviewing your financial situation, and has offered you customized recommendation on managing your money.

"........"

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