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Selecting the Right Debt Management Company
from:Many mistakenly assume that debt management companies and credit counseling programs are synonymous. Their not. Although both offer financial advice, a debt management company, unlike credit counseling, may allow or require a client to deposit a certain amount of money in a given account every month. Afterwards, the debt management company will be responsible in paying off its creditors.
How to Choose the Right Debt Management Company
Nonprofit – Several states require debt management companies to be “nonprofit” before they’re allowed to operate. Whether they really are nonprofit or not remains to be seen. Check with the Better Business Bureau and see if they’ve received any complaints about the company you’re interested in.
Free Consultations – It must always offer this! Free consultations will allow you to probe in depth without worrying how much it’s costing you.
More than 1 Year in Existence – Avoid transacting with a newly established debt management company; they’re more than liable to commit mistakes that old-timers are already aware of.
Proper Procedures – Be wary about companies that ask you no questions about your finances or your personal background. If all they’re asking of you is when you’re ready to make the payment, there’s a good chance that they’re simply interested in swindling you of your money.
Affiliations – Make sure that the debt management company isn't allied or affiliated with one of your creditors. It would put them in a compromising position and the company might end up working against you, rather than for you.
Ability to Listen – The ideal debt management company listens to your concerns, takes notes of your problems, and doesn't ignore your personal preferences.
Reviews or Testimonials – Don’t trust the testimonials provided on their websites or brochures. Instead, find someone you know or trust who can honestly recommend the company or reviews in non-partisan websites.
How to Know If You’re Dealing with the Wrong Debt Management Company
On the other hand, if you’re already under contract with a debt management company, here are some tips on how to learn if it’s best to leave and switch companies.
Periodic Reports – Debt management companies must always give you periodic reports about the present status of your debts. If they’ve been silent all the while, now’s the right time to worry.
Express Approval – If you catch the company taking any action with direct or indirect impact on your debt or credit without your expressed approval, that’s generally a bad sign.
Lastly, remember that the BBB doesn’t possess all the information needed regarding fraudulent debt management companies. Listen to what your instincts are telling you as well when looking for the right debt management company.
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