When you contact a credit-counseling agency, ask questions. Ask about company and what programs they offer. Contact Better Business Bureau to find out facts about their history. Make sure to ask about all fees and charges; you are trying to get out of debt, not obtain more!

After you have chosen a credit counseling agency usually they will take a look expenses, income and debts. Most require you to participate in a debt management seminar, some longer than others to educate yourself about money management and budgeting as well as information on credit and finances. Some agencies charge a fee to attend class, for others it is free.

You should know that even while you are seeking credit counseling, company in which you owe money could continue to try and collect by any means necessary. However, most credit companies will see that you are trying to get your debt under control and work with you to solve your debt problems without bankruptcy.

Keep in mind that you should never have to pay money for a service before it is received and you have right to see all paperwork regarding case. So ask for all agreements in writing and carefully examine documents to be sure that you are not participating in something that is illegal. If you are still thinking of using a credit repair service, contact state Attorney General and Better Business Bureau to determine if company is legitimate. If you have previously purchased a credit repair kit or been a victim of a credit repair scam, you should also contact state Attorney General to report crime. The best way to repair you credit is through time and effort. You can do it, but nothing is going to fix your credit instantly.