How to Find Quality Credit Counseling

How to Find Quality Credit Counseling

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Most counseling agencies are non-profit organizations, but that is not a requirement, nor does non-profit status ensure that a counseling agency is “good.” In addition to the fees charged to consumers, they may receive contributions from creditors, who give a portion of the payments they receive through the counseling agency back to the counseling organization. This has led to criticism that these organizations are simply in the debt collection business. On the other hand, creditor contributions keep costs down for consumers.