Questions To Ask a Credit Counseling Agency:

• What services do you offer?
• Do you offer a free consultation?
• Will you help me develop a budget and a plan for avoiding problems in the future?
• How much and what type of fees do you have?
• What if I can’t afford to pay your fees?
• What qualifications do your Counselors have?
• Are the Counselors certified by an outside organization?
• What training do the counselors receive?
• What do you do to keep information about me (including my address, phone number, and financial information) confidential and secure?
• How are your Counselors paid?
• Are Counselors paid more if I sign up for certain services?
• Are Counselors paid more if I pay a fee, or if I make a contribution to your organization?