A Little Preparation Helps When Working with Credit Counselors
If you're looking for the most effective way to tackle your debt issues, an experienced credit counselor is the way to go. A professional counselor will have the experience and training you need, along with the best strategies to help you maximize your current income. You'll also learn ways to change your spending habits as you work toward conquering your accumulated debt. Of course, there is some information you'll need to take with you as you meet with a credit counselor for the first time. By preparing yourself beforehand, you'll not only save time; you'll get a jump start on the process as the counselor will be able to prepare your list of expenses and income immediately after the first meeting.
Preparing for the First Meeting
So what should you expect as you meet with a credit counselor for the first time? The first and most important question you'll need to answer is, how much income do you make and how much do you spend? You must be able to answer this question honestly and exactly; guessing or estimating won't help. Exact figures will allow your counselor to create a personalized budget that will actually work in your situation. As you prepare for your first meeting by gathering this information, be careful not to underestimate the amount of money you spend each month. This is a common mistake. To overcome this tendency, look through hard copies of credit card and bank card statements for the last three or four months. Many counselors will recommend you use the average expenses of the last three months to get the most accurate picture possible of your real spending tendencies. If you have income that varies, due to self-employment or commission-based work, find the average for six to twelve months. Next, sit down while reviewing your debt and expenses and write a list of any questions that come to mind that you'll want to ask your counselor when you meet. This is a great idea the night before the meeting because it will help ensure you don't forget any important issues during the actual meeting.
Contact a Local Advantage CCS Counselor
If you're looking for a reliable credit counselor, your first stop should be advantageccs.org. Advantage CCS has experience with credit and debt counseling and can teach you about working with a credit counselor to fix your credit. At Advantage CCS you'll find a range of services, including certified credit counselors that are qualified to help you with your debt problems.