What is a obedient debt counseling agency? I've heard that solitary the non-profits are worthwhile. Can anyone recommend

I've heard that solitary the non-profits are worthwhile. Can anyone recommend one from personal experience? consumer credit counseling (thats what it is called)... nearby is one in every state... i work within collections lol you have to take heed... some say credit counseling but they are settlement companies and plentifully of creditors will not work with them.

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GE Finance because it is a fixed rate revolving line of credit. The one ensnare is you have to be invited for a loan next to them. you cant apply generally. If your looking into applying check out a Credit Union, theyre usually the easiest and the most helpfull. Banks will verbs you with fees and high-ranking rates.

Answers:
Consumer Credit Counseling Service (CCCS) has office in every state, and they are usually trustworthy. Each regional establishment is independent, so it is possible that you might find one that isn't up to par. The one I know about is CCCS of Central Florida, and they own internet and phone counseling available so you wouldn't need to be within the area. If that method is ok for you, I can attest to the honesty of that foundation. Any agency can become non-profit. That doesn't niggardly it's any more reliable or trustworthy.

See this site: http://www.debtworkout.com/bad_credit/credit_counseling/credit_counseling_services_faq.html

Here's a consumer fact sheet on credit repair (and how you can do it yourself) from the FTC.

http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm In my inference, none. They are all setup through the credit card companies and within is no negotiation for you - they know in finance what the credit cards companies will do. They put you on a plan, and if you faulter, you have to start adjectives over again. I read on account where on earth a woman couldn't keep up near the payments five times and was closing moments up paying more than what she would have minus it.

The purpose of debt counseling is to convince you to pay your debt, and the credit card companies control that.

If you really are surrounded by trouble, consider bankruptcy or make conversation to your credit card companies to cancel and trim down your payments like they would hold anyway without paying a tax to an agency.

Whatever you do, just remember one certainty: Debt agencies are there for the profit of the Credit Card companies, not for you or what's surrounded by your best interest.