Debt Consolidation -- Choose Your Credit Counselor Carefully

Written by Charles Essmeier

Continued from page 1

*Watch out for firms that want excessive fees up front. Be particularly wary of nonprofit agencies that ask for fees or “voluntary contributions” or nonprofit agencies that tell you that they cannot help you if you do not pay a fee upfront.

*Beware of firms that ask for a sizeable fee to obtain a copy of your credit report. Such agencies should be able to obtain your report at no charge, and you are entitled to one report per year for free.

*Sometimes, bankruptcy is unavoidable. Watch out ifrepparttar agency doesn’t mention bankruptcy at all, or if they changerepparttar 135480 subject if you bring uprepparttar 135481 topic. Debt consoldators cannot make any money on bankruptcy cases, but sometimes, that’s your only option.

*Shop around. Talk to several different agencies and compare what they tell you. Any agency that differs dramatically from whatrepparttar 135482 other agencies are telling you should probably be avoided.

*Check with your local Better Business Bureau, and ask if they’ve had any complaints aboutrepparttar 135483 agency.

*Watch out for firms that offer quick solutions to your problems. You didn’t get into financial trouble overnight, and you won’t get out of financial trouble overnight. Any competent debt or credit counselor will know this and will undoubtedly tell you that working your way out of debt takes time.

*See ifrepparttar 135484 agency belongs torepparttar 135485 National Foundation for Credit Counseling or Association of Independent Consumer Credit Counseling Agencies. Many do.

By taking a few simple precautions before agreeing to work with a credit counselor, you may save yourself a lot of grief and a lot of money later.

©Copyright 2005 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including and

Benefits Tailored To The Changing Needs Of Canadians

Written by Anna Dorbyk

Continued from page 1

This move away fromrepparttar rigidity of traditional benefits packages comes as no surprise when one considersrepparttar 135108 variety of life circumstances amongrepparttar 135109 Canadian population. Increasingly, family households have both partners working thereby causing a considerable overlap in benefits. With flexible coverage, one partner’s traditional plan is complemented and any gaps inrepparttar 135110 family’s coverage are easily filled. Younger Canadians may find themselves planning for a family and need to think aboutrepparttar 135111 necessity for vision insurance and/or dental insurance. Alternatively, aging individuals may need to secure a variety of previously unneeded benefits, such as disability insurance.

It is predicted that whenrepparttar 135112 baby boomers are ready to retire, a massive job shortage will result. Subsequently, employers may find it challenging to compete for prospective employees. Perhaps it will berepparttar 135113 employer who can appreciaterepparttar 135114 evolving needs of Canadians who will triumph.

Anna Dorbyk is the editor for Canada Health Insurance and is a graduate student in Communication Studies at Concordia University. For more information on health insurance for Canadians please visit

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