If you are losing sleep because of unpaid bills or money worries or if you feel that you just can’t handle the pressure of debt and credit headaches then maybe it’s time to consider credit and debt counseling. This may help relieve the stress and strain you are having and can help you avoid the pain, crisis and penalties of personal bankruptcy. This type of service comes in two distinct options, one service that is provided by a not for profit agency and the other that is operated by a private for profit company.

Either type of service can be effective in dealing with your problem but with each there are a few things that you need to consider. With private credit counseling companies you should look for one that doesn’t charge huge upfront fees but rather look for one that makes some of its money from you and some from your creditors. In the case of not for profit debt counseling you should make sure that the person handling your account has all the necessary experience and expertise to make you feel comfortable and look after your business.

In both cases it is advisable to shop around and check with friends or families who have been through a similar experience to see if they were happy with the services they received. A call to the Better Business Bureau in your community would not be a bad idea either since any complaints from the public have probably come in through their offices.

Any professional well run credit and debt counseling firm or agency will be completely open about their operating practices, fees and the services they provide. They will be happy to assist you in your attempt to get out of a debt or financial crisis and can often provide additional assistance with managing money, living on a budget and other personal finance matters.

Do you need help in dealing with your debts? You can contact one of our Christian counselors using the form on the right for some free credit counseling help and advice. They will help you to lower your payments today.