People with a bad credit score find it difficult to solve their debt problems on their own. Such people seek the help of a credit counselor. It is a common phenomenon happening these days. Anybody can face their bad credit score once they have the right guidance. Work consistently towards it. Please build a good credit score. There are different credit counseling agencies like doylesalewski.ca. You can get some ideas from Experian.com also. It is easy to work upon, just remain determined throughout the process. When consulting an agency you will need to make sure that they are certified by the National Federation of Credit Counseling.
Certification from bodies like Financial Counseling Association of America is also valid. They certify an agency once they fulfill the criteria laid down by the association. This helps you find an agency with good repo in the market. Do not forget to check local records also. Sometimes certification gives an agency the fancies to do whatever they like. An agency might forget what for they have been certified to operate. Hence, check out their condition in general from the people living around or who have consulted them earlier. Go through their website thoroughly. Look whether they are active or not. Their customer support service must be good.
Find out what payment practices they have. If the agency asks you to pay a huge sum of money in the beginning, you can always say no as per your affordability. Whatever fees you pay to the agency, the receipt of the payment must be passed on to your creditor on a regular basis. Do not rely on verbal agreements. Get things written in a proper manner and maintain a record. There are agencies that work only with few creditors therefore get that clarified as well. When hiring a consulting agency, make sure they keep your information private; any negligence on that part must not be tolerated.