Many of us at one time or another have made bad money resolutions. The trick is not to make too many of them and that we learn from our mistakes. We find it disturbing that in a society where money and debt are major parts of our everyday lives, many of us are ignorant of some basic principles. 

For those who have crossed the point of no return, some form of consumer credit counseling services may be in order. There are many companies, such as the ones offered at the main page of this website, that can help you develop an effective debt management plan. You can also get the best credit counselling services online via

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Consumer credit counselors will give you advice on managing your money, offer solutions to alleviate your current financial dilemma, and can help you develop a plan that will help steer you away from bad financial decision making in the future.

Finding the Right Consumer Credit Counseling Service:

No matter what your particular financial need is choosing the right credit counselor is essential. It would be prudent for the consumer to shop around the different agencies with a preselected set of questions. 

When speaking with one of their counselors or agents ask the following:

1. Are they affiliated with a national organization such as the NFCC which has high ethical standards?

2. Do they have third-party accreditation? You do not want to get involved with agencies that are self-accrediting. The Council on Accreditation (COA) is a reputable third-party accreditation body that the appropriate checks and balances designed to protect the consumer.

3. Exactly what services do they provide? A good sign is if they offer a wide range of services such as debt management, credit counseling for those who are not in debt as well as those who are, counseling for first time home buyers, reverse mortgage, and foreclosure prevention to name a few.