Posted on February 12, 2010 at 10:15 am debt counselingIs ‘credit card debt counseling’ really beneficial?Not everyone believes that credit card debt counseling is beneficial and there are various reasons for that. Some people just read articles in the newspapers or find advice on the internet and take that as the final thing. So they don’t feel the need for credit card debt counseling. Some others feel that credit card debt counseling companies are just trying to make quick money by telling you the obvious i.e. by telling you something that is being advertised everywhere. However, the most important reason arises from the fact that not all credit card debt counseling companies are genuine and of those that are genuine, not all credit card debt counseling companies provide good advice. So, choosing a proper credit card debt counseling company becomes a critical factor in determining the success of credit card debt counseling. Always go for a reputable credit card debt counseling company, even if their fee is a bit higher. Remember that a proper credit card debt counseling can help you in not just eliminating your credit card debt, but eliminating your credit card debt in a way that is so cost effective as to more than offset the fee credit card debt counseling company is charging you. Moreover, proper credit card debt counseling can save you a lot of time and energy that you would have otherwise spend in studying all about credit card debt, gathering information about various credit card debt elimination measures and comparing these measures. Further, these credit card debt counseling companies can present more than one solution to you from which you can choose whatever appeals the most to you. These credit card debt counseling agencies can also get your credit card debt settled much quicker than if you were trying to do it all by yourself (and without any credit card debt counseling). Also, credit card debt counseling could bring to light things which you would not have been able to see e.g. risks with the approach you were thinking to adopt or a futuristic view of things. Moreover, a person who earns his/her bread by practicing credit card debt counseling as a profession, would know the tricks of the trade which no one else would even have an inkling to e.g. pitfalls of a particular debt consolidation offer, or advantages of another offer etc etc.There is no doubt with regards to the benefits that credit card debt counseling can bring to you. However, you need to be careful and avoid the fraudsters and pick up someone who has a good reputation.

Posted on March 4, 2010 at 5:52 am credit card debt counseling are usually free when the consumers first calla debt relief company - it's when they sign up for the program that they are askedto pay.

Posted on March 4, 2010 at 5:53 am Right, and for example, destroydebt.com offers that free initial consultation.All the consumer has to do is fill out a form - and he/she can speak with adebt consultant - free of charge.

Posted on March 5, 2010 at 3:55 am A follow up question: Credit card debt counseling - where to find trusted agencies?

Posted on March 5, 2010 at 5:28 am Credit card debt counseling - where to find trusted agencies? Here!http://www.justice.gov/ust/eo/bapcpa/ccde/cc_approved.htm

Posted on March 5, 2010 at 5:34 am Another question: Credit card debt counseling - What to look for in a credit card debt counseling company/program?

Posted on March 5, 2010 at 5:37 am Credit card debt counseling - What to look for in a credit card debt counseling company/program? For credit Counseling Agencies (according to the BBB):-Before you select a credit counseling agency ask for information on the following:-Are the agency services confidential?-Will they devise a plan tailored to fit your needs?-Are the counselors certified?-Are budget and credit education opportunities offered?-Will your funds be protected? How?-Is the agency accredited?-Aside from BBB membership (www.bbb.org) the consumer should also check its affiliation with the National Foundation for Credit Counseling  http://www.nfcc.org.

Posted on March 5, 2010 at 6:05 am What to look for in a credit card debt counseling company/program? For Debt Settlement Companies:-The settlement company's program must have a fast completion time. 12-36 months.-The program must be able to protect and improve the consumer's credit standing.-Must be a member of the Better Business Bureau, BBB, for at least 5 years.-Must also have a good standing with the Chamber of Commerce-A Member of TASC - The Association Of Settlement Companies and the IAPDA or theInternational Association of Professional Debt Arbitrators

Posted on March 5, 2010 at 7:44 am Are you overwhelmed with HIGH INTEREST RATES that make it difficult to reduce your balances with minimum payments? If you are in a situation where you feel that you cannot and will not be able to pay back your debt, don’t worry, there are programs out there that can cut your debts in half and reduce your monthly payments by up to 50%...........You should never be ashamed to seek help, no matter your reason for being in debt and no matter how much debt it is. Millions of Americans are struggling with their debts right now; that is why Congress has passed new legislation to keep creditors from taking advantage of consumers.  Contrary to what your creditors will tell you, there are options out there for you.  Don’t consider bankruptcy until you’ve looked at all of your options.  There are companies set up to explain these options to you, FOR FREE.  One of them is Consumer Debt Advisors (www.cdadebtsolutions.org), they’ll let you know what option is best for you and offer a free consultation to see if you qualify.  Don’t feel trapped or let the creditors control you, call Consumer Debt Advisors at 877-548-5403 or try them online at www.cdadebtsolutions.org.  Their website has a lot of information about what alternatives there are to bankruptcy or paying the 25% interest the creditors are charging you.