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Gather Basic Information

Answer a couple of basic questions about your debt. Based on your location, debt amount and type of debt, we can recommend a path.

Financial Coaches

Your certified debt resolution specialist will show you how to pay off your debt and give you the motivation to get there.

Debt Free

Follow the payment plan you agree to with your certified specialist and you are on the way to being debt free in less time and for less money than if you did it on your own.

Questions? Call IMG 888-997-5113

How to Qualify Debt Counseling Agencies

If you’ve decided that working with a credit counseling agency is the next step in managing your finances and getting your debt under control, it’s now time to actually pick your agency. You’ll need to pick your individual credit counselor as well, and because credit counselors come from different backgrounds and certifications, it will be especially important to select the one that’s right for you.


How to Pick a Credible Agency



  • Your first step to finding a reputable agency is to see which credit counseling agencies near you are members of the National Foundation for Credit Counseling (NFCC) or the Association of Independent Consumer Credit Counseling Agencies (AICCCA). Members of these associations are put through a rigorous accreditation process where they are reviewed on the effectiveness of their counseling.

  • Once you\'ve narrowed your search down to one or two agencies, give each one a closer look to see if complaints have been filed against them. Search your state’s Attorney General\'s office, a local consumer protection agency and the Better Business Bureau.

  • Find out about where your payments go and what additional fees are included. All payments sent to the credit counseling agency as part of a debt management plan should be passed on to your creditors in a timely manner.

  • Learn if the agency can work with all creditors. An agency cannot require creditors to recognize a debt management program, but the agency should at least contact all creditors.

  • Make sure that your money and personal information are protected. Ask for evidence that the agency has insurance to protect consumers\' money if the agency has financial problems.

  • Select an agency that offers a range of services. Find out the costs for these opportunities and how they are made available.

  • Beware of any company that claims it can erase debts from your credit history or that says it can reduce your debt.

  • Choosing Your Credit Counselor


  • After you’ve researched and picked out the agency that’s right for you, you will need to meet with prospective credit counselors. Picking the right counselor is like choosing a doctor; you want someone you’re comfortable with and who will do the job correctly.

  • Find out more about the credit counselor, especially if he or she is certified by an outside organization.

  • The counselor should take time to understand the consumer\'s personal circumstances and be able to draft a plan for your individual needs rather than creating a blanket debt management plan. A good counselor will have an initial meeting with you to go over all of your finances before offering a recommendation.

  • See if you can get a list of references from your counselor to see how he or she has helped previous customers. Check with the Better Business Bureau if he or she has any complaints.

  • On top of certifications and qualifications, you should note the level of customer service of your counselor. Does he or she go above and beyond for you? Does your counselor explain things clearly? Is he or she very easy to reach? Are you given everything in writing to cut down on confusion?


For further reading, check out what questions you should ask your potential credit counselor.

Benefits of Debt Consolidation