DEBT CONSOLIDATION PROGRAM

• Understanding Debt Consolidation Programs
• From Apply Now, Your Guide to Credit / Debt Management.
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What a good counselor should be doing for the client
Fees for services should be reasonable. Less than ethical agencies will charge up front the first month's payment on all bills including bills that should not be included (student loans, etc. See my article Sifting Through the Debt Management Industry ). Often times the consumer is told it will be returned upon completion of the program. Do not buy into this. Fees should be a very nominal flat fee per month or a small amount for each debt taken on by the counseling agency. It should be noted that you should check with the agency as to whether you may be selective in which debts are handled by the agency.

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