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    orking with your creditors in reducing payments,

    lowering interest, and eliminating fees?

    You need to know not all creditors will work with credit counsel

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    When you find yourself thinking about using a credit counseling service, you need to be very careful. You need someone who will help you, not just some pushy sales associate who wants only to sign you up for their service.

    You are about to place your financial life in someone else’s hands. Make sure you have the answers to some questions before you do. Then make sure you like the answers to your questions. Here are some for starters:

    Which of my creditors have you worked with in the past?

    You have a list of your creditors. You want to compare it to the creditors they have worked

    with in the past. Have they been successful working with your creditors in reducing payments,

    lowering interest, and eliminating fees?

    You need to know not all creditors will work with credit counselo

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    sales associate who wants only to sign you up for their service.

    You are about to place your financial life in someone else’s hands. Make sure you have the answers to some questions before you do. Then make sure you like the answers to your questions. Here are some for starters:

    Which of my creditors have you worked with in the past?

    You have a list of your creditors. You want to compare it to the creditors they have worked

    with in the past. Have they been successful working with your creditors in reducing payments,

    lowering interest, and eliminating fees?

    You need to know not all creditors will work with credit counsel

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    swers to some questions before you do. Then make sure you like the answers to your questions. Here are some for starters:

    Which of my creditors have you worked with in the past?

    You have a list of your creditors. You want to compare it to the creditors they have worked

    with in the past. Have they been successful working with your creditors in reducing payments,

    lowering interest, and eliminating fees?

    You need to know not all creditors will work with credit counsel

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    with in the past?

    You have a list of your creditors. You want to compare it to the creditors they have worked

    with in the past. Have they been successful working with your creditors in reducing payments,

    lowering interest, and eliminating fees?

    You need to know not all creditors will work with credit counsel

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    orking with your creditors in reducing payments,

    lowering interest, and eliminating fees?

    You need to know not all creditors will work with credit counselors. If all, or most, of your

    creditors have, or will, you should investigate these services further. If not, credit counseling won’t do you much good. To protect yourself, ask for a list (in writing) of any of your creditors they have worked with in the past.

    Will my creditors be paid on time each month?

    Two things come into play here. What are the due dates of each creditor and when during the month do you get paid? Nothing defeats the purpose faster than paying a creditor late, after you have set up a new payment schedule.

    Some credit counseling services use a set date each month to make

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