Do You Need Credit Counseling?
Are you spending all of your income from every paycheck? Are you worried about your mounting debt? Do you find it next to impossible to save for retirement? Have you been contacted by debt collectors?
Take action immediately if your borrowing is getting out of control. Contact your lenders to develop a workable repayment plan. If credit cards are the problem, stop using them or even cut them up.
Your next step is getting expert assistance. A qualified credit counselor can help.
Getting Professional Help
There are several organizations available that help individuals when all else fails.
The Federal Trade Commission offers facts for consumers to consider when choosing a credit counselor. Among these are to be very wary of organizations that offer to fix your credit rating or want you to pay them a fee to get you out of debt easily. If their pitch sounds too good to be true, it probably is.