According to the new laws of bankruptcy you need to do credit counseling. But here is a point most of the credit counselors are scamming & they are charging high fees.So, it is very important to choose your credit counselor carefully. Few tips are below....
1. Appoint a personal counselor. Try to avoid those counselor who are providing services through mail or any other medium.
2. Look into their fees. Most of the counseling companies are charging high rate & this will partially increase the total debts of yours. Take the set up before signing up any deed. Their charges, limitations, feedback from their other clients etc.
3. Need to verify the authenticity of the counselor whether all of his certificate are valid or not. Apart from this the counselor do have the licenses in your respective state or not that also you need to check.
4. Your privacy is important. In this financial industry privacy is one of the most impostant factor. So, make sure your counselor are able to maintain your financial privacy or not.
5. Don't go for debt management companies. The reason behind is they will charge a huge amount & this is not mandatory in new bankruptcy laws.
If this points you will keep in your mind you will probably get a best credit counseling service in bankruptcy.
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