Free Debt Relief Analysis

Discover how much you can save every month. It's Fast, Free and there's absolutely No Obligation. Fill out the form to get your free savings estimate now.

It's Simple To Start

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

Questions to Ask Credit Counselors

Once you have researched different credit agencies and qualified your counselor, there are specific questions you should ask your counselor before ultimately making your decision. The process may seem lengthy, but when you’re dealing with your finances and possibly facing bankruptcy it’s best to take the time to determine who the best person is to help you tackle your debt.


Here are some questions you should jot down before you meet with your potential credit counselor:



  • What if I can’t afford the minimum payment? An agency should offer a hardship program rather than telling you that your only option is bankruptcy.

  • What are you qualifications? Are you accredited or certified by an outside organization? If so, which one? If not, were you trained?

  • Am I able to get up-to-date reports on the status of my accounts? You’ll want to see if the counseling agency is paying all your creditors on time.

  • What security measures do you take to protect my information?

  • What services do you offer?

  • What fees do you charge? You’ll want to ask about monthly and upfront fees that your counselor charges.

  • What kinds of educational programs and services do you provide? You’ll need to learn good finance management skills in order to prevent going into debt again in the future.

  • Is there a minimum amount of debt I have to have in order to work with you?

  • What happens if some of my creditors will not participate with me?

  • How often do you pay creditors? Slow payments by your agency can create late fees and higher interest rates for you.

  • How are my monthly payments calculated?

  • Who will help me if there is a problem with my accounts or creditors? You will want to know if the agency will help resolve any potential problems.

  • Have other consumers been satisfied with your services? Don’t be afraid to ask for references.

  • How are you compensated? You don’t want a counselor who is only paid if you sign up for a specific service—that means they aren’t looking out for your best interests.

  • May I please have that in writing? This is the ultimate question. Get every detail of your plan in writing so you’ll know exactly what you’re in for.


If your counselor doesn’t answer these to your liking, it’s okay to keep searching. You will be working with him or her exclusively, so it’s best to make sure you like, and most importantly, trust your credit counselor.

Benefits of Debt Consolidation