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Debt Consolidation

Debt consolidation loans are a good way to dig your self out of debt. They are ideal for anyone that has a debt over 20 percent of their monthly take home pay. But beware! There are things you should watch out for when choosing an agency to help you get out of debt. Things like expensive fees, complicated contracts, and inadequate service. Here are seven guidelines on choosing the right debt consolidation agency that will save you time and money:

  • Better Business Bureau: Before you sign up with a debt consolidation service, check the agency's record with the Better Business Bureau (BBB). Be sure to look for any unresolved complaints such as late payments to creditors and/or false advertising. As a rule of thumb, don't work with any debt consolidation agency with less than 5 years of experience.
  • Agency Fees: Steer clear from any up front fees. Don't sign with a debt consolidation service that requires more than $50 a month in fees, and watch out for any sentence in the contract that states, "I voluntarily agree to contribute one month's payment." This is a definite red flag.
  • Adequate Service: Check to make sure the debt consolidation service you sign up with is capable of handling your accounts. Ideally, an agency should have a relationship with all of your creditors, and not just a few.
  • Timed Services: If a debt consolidation agency promises to enroll you in a repayment plan in 20 minutes, walk away. Any real money management person knows it takes much longer to come up with an effective repayment program that works.
  • Monthly Payments: Make sure your creditors are receiving payments on time. Once you sign up with a debt consolidation service, they'll most likely consolidate your bills into a monthly payment and then distribute funds to your creditors accordingly.
  • Plan Evaluation: Calculate the total cost of fees and debt. Make sure your plan will save you money in the long run.
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