Best Debt Consolidation - 3 Things To Look For
By: L. Sampson -
If you've decided that a debt consolidation service can help you
regain control of your finances and pay off your creditors, you'll
want to choose the best company. As you browse different debt
consolidators, compare their services and fees. Before you pick a
debt consolidation service, make sure it offers these three
things:
A free quote or estimate
Any company that wants cash from you immediately--before even
reviewing your paperwork--is probably unscrupulous. Legitimate debt
consolidators usually offer a free quote or estimate. At no charge
to you, they'll look over your bills, creditors and financial
situation. Then, once they've reviewed your case, they'll assess
your costs--including their fees and charges--and give you a quote.
After that, you can decide for yourself if you want to hire the
company to help you consolidate your debt.
Email, mail AND phone contact
Be wary of any company that only has email or snail mail as their
contact information. You'll want to make sure that the company has
a phone number available on their website. Call the number and see
if a real person--not just a voice mail service--answers. Speak
with the representative and check to see if they're knowledgeable
and courteous. Chances are you'll be assigned a "case manager,"
too. Make sure you will get this individual's direct phone number
or extension.
The service you need
Some companies will only help you organize your bills and negotiate
with your creditors. Others will help you consolidate your debt
into one monthly payment (which you pay to them, and then they
split between your creditors). And some even have credit repair
services that can help improve your credit score. Make sure the
company you choose has the resources and expertise to help you
fulfill your needs.
Be sure to compare a few different debt consolidators when you're
choosing the one for you. Just remember: before signing on with any
debt consolidation company, make sure they offer a free price
quote, live customer service and the services you need.
Visit Debt Sanity to view our Recommended Debt Consolidators online. Also, visit Debt Sanity to find the Best Debt Consolidation Company online.
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