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What to check for before moving ahead with a financial counseling agency?

Certification and Accreditation

You approach a counselor with the hope of getting your finances back on track, but to ensure that your finance is in safe hands you should be aware of the certification and accreditation. Most of the non-profit counseling agencies are the members of the National Foundation for Credit Counseling.

Mode of Counseling

Before scheduling a consulting session, ask yourself how would you like to avail the service, i.e. on-call consultation, online consultation or in-person counseling.

Cost

Cost may vary from one state to another, and depending on the scenario. But you should clarify the overall cost before deciding to attend the counseling session.

Things that your appointed counselor may ask you

  • What is your household income?
  • What are your monthly expenses?
  • Do you have a budget plan?
  • What credit cards, or other loans you have as of now?

After knowing about your income and expenses, the counselor will review your financial history report and will come up with the best possible options to let you come out of your financial trauma.

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Things which You should Have Ready at Hand

  • List of current expenditures, which includes daily expenses, utility bills, phone bills, credit cards and active loans.
  • Your and/or your spouse’s monthly paystub, so that we can get clear idea about your household income.
  • Recent credit card statements , so that we can get information about minimum payment, total outstanding amount, due dates etc.

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Our Counseling Process in 3 Simple Steps

  • The counselor will ask for your ongoing financial scenario and few other documents to start analyzing your stand.
  • Counselor will now work on finding out the financial obstacles you may face and the goals you would like to achieve.
  • Session will end with the most feasible plan to get hold of your financial life and optimize your due amounts into most manageable monthly payments.

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