When you are facing collection calls and late payment fees, you are probably anxious to find a debt relief company to help you.
There are many people just like you, as a result of high unemployment and a sinking economic situation across the country.
Finding a reputable bills and credit card consolidation company can be a time consuming process, but it does not need to add more stress to your life.
In fact, if you are willing to do the research, you will find that you can get help faster than you ever expected.
The first thing to research is the process of debt consolidation, and learn more about the consolidation lending industry, the common practices and the legality surrounding consolidation agencies.
Find out what licenses are required in your specific state, and learn more about any certifications that might be necessary for an agency to offer loans and other specific consolidation programs.
Once you have done this initial research, develop a statement of an end goal.
Decide what you want the outcome to be, before you speak to anyone about consolidating.
If your goal is to eliminate your monthly payments or to make smaller payments, great.
Perhaps you want to improve your credit score, if not just maintain your good credit? There are many possible outcomes that you could desire.
You should keep these goals realistic, depending on your specific situation.
Now it is time to go online and look for credit card consolidation companies in your area.
It is always best to work with a local company that can offer you face to face meetings.
Phone consultations are fine for some people, but face to face is sometimes just a better option.
A quick internet search will show you who works in your area.
Make a list of 5 different agencies in your area and research them.
Find out what types of consolidation programs they are known to offer, and look for consumer reviews! Current and former clients are likely to comment somewhere about the company and this is especially true if they are unhappy.
A few bad reviews should be enough to send you looking for a different company.
After extensive internet research, start calling the agencies that check out.
Ask for a no-obligation and free first time consultation with a debt specialist to find out if the company can help you and how they can do it.
This should be enough to help you making a wise decision.