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Debt Consolidation -- Choose
Your Credit Counselor Carefully
by Charles Essmeier
Recently passed by
Congress, the Bankruptcy Abuse Prevention and Consumer Protection
Act of 2005 will require people who are filing for bankruptcy to
first undergo mandatory credit counseling.
This is probably not a bad idea; after all, many people with problem
debt could probably benefit from credit counseling. A good credit
counselor can assist clients with problem debts in establishing a
repayment schedule, creating a personal budget, and learning how to
avoid debt and credit problems in the future.
The problem is that with the estimated one and a half million
additional people seeking credit counseling each year, there will
undoubtedly be more credit "counselors" entering the market, and
many of them are only interested in reaping huge profits at the
expense of their clients. There are already a number of credit
counseling firms working in the marketplace that advertise
themselves as "nonprofit", when they actually are closely tied to
for-profit debt consolidation firms. These agencies will strongly
encourage their clients to consolidate debt through their partner
company, and the result may be a long-term loan for the client that
doesn't help them at all, but reaps huge profits for the
consolidation firm. How can someone who is genuinely seeking
legitimate, helpful credit counseling choose a counseling agency
wisely?
*Counselors should listen. If they start pitching a solution to you
during the first fifteen minutes you are there, you should be
suspicious. A credit counselor should be gathering information about
you in order to determine how best to help you. They can’t possibly
know how to help if they don’t understand your problem. Unless, of
course, they don’t care about your problem and only want to sell
generic “solutions.”
*Watch out for firms that want excessive fees up front. Be
particularly wary of nonprofit agencies that ask for fees or
“voluntary contributions” or nonprofit agencies that tell you that
they cannot help you if you do not pay a fee upfront.
*Beware of firms that ask for a sizeable fee to obtain a copy of
your credit report. Such agencies should be able to obtain your
report at no charge, and you are entitled to one report per year for
free.
*Sometimes, bankruptcy is unavoidable. Watch out if the agency
doesn’t mention bankruptcy at all, or if they change the subject if
you bring up the topic. Debt consolidators cannot make any money on
bankruptcy cases, but sometimes, that’s your only option.
*Shop around. Talk to several different agencies and compare what
they tell you. Any agency that differs dramatically from what the
other agencies are telling you should probably be avoided.
*Check with your local Better Business Bureau, and ask if they’ve
had any complaints about the agency.
*Watch out for firms that offer quick solutions to your problems.
You didn’t get into financial trouble overnight, and you won’t get
out of financial trouble overnight. Any competent debt or credit
counselor will know this and will undoubtedly tell you that working
your way out of debt takes time.
*See if the agency belongs to the National Foundation for Credit
Counseling or Association of Independent Consumer Credit Counseling
Agencies. Many do.
By taking a few simple precautions before agreeing to work with a
credit counselor, you may save yourself a lot of grief and a lot of
money later.
About The
Author
©Copyright 2005 by Retro
Marketing. Charles Essmeier is the owner of Retro Marketing, a firm
devoted to informational Websites, including
http://www.End-Your-Debt.com/ and
http://www.HomeEquityHelp.net/ |
The Ohio State Flag
Independence Mortgage, Inc. serves
all of Ohio. These are just some of the areas we provide
financial services for:
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Akron
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Athens
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Canton
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Chillicothe
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Cincinnati
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Cleveland
-
Columbus
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Dayton
-
Euclid
-
Findlay
-
Hamilton
-
Lancaster
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Lima
-
Marietta
-
Marion
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Massillon
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Mentor
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Middletown
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Newark
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Norwood
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Solon
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Springfield
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Strongsville
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Toledo
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Warren
-
Youngstown
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Zanesville
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Ohio Housing Unit Estimates
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Ohio |
5,044,709 |
5,008,801 |
4,968,544 |
4,925,039 |
4,880,095 |
4,838,267 |
4,795,082 |
4,783,066 |
4,783,051 |
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|
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|
|
|
|
|
|
|
COUNTY |
|
|
|
|
|
|
|
|
|
|
Adams County |
12,067 |
12,096 |
12,092 |
12,083 |
12,017 |
11,948 |
11,856 |
11,822 |
11,822 |
|
Allen County |
45,289 |
45,118 |
44,863 |
44,681 |
44,589 |
44,456 |
44,287 |
44,245 |
44,245 |
|
Ashland County |
21,922 |
21,654 |
21,473 |
21,366 |
21,186 |
21,052 |
20,878 |
20,832 |
20,832 |
|
Ashtabula County |
45,560 |
45,465 |
45,207 |
44,988 |
44,646 |
44,313 |
43,896 |
43,792 |
43,792 |
|
Athens County |
25,195 |
25,228 |
25,207 |
25,166 |
25,123 |
25,057 |
24,934 |
24,901 |
24,901 |
|
Auglaize County |
19,362 |
19,234 |
19,068 |
18,907 |
18,754 |
18,647 |
18,505 |
18,470 |
18,470 |
|
Belmont County |
31,361 |
31,399 |
31,373 |
31,343 |
31,335 |
31,326 |
31,288 |
31,236 |
31,236 |
|
Brown County |
18,734 |
18,030 |
17,782 |
17,696 |
17,575 |
17,423 |
17,221 |
17,193 |
17,193 |
|
Butler County |
142,280 |
139,849 |
137,176 |
134,738 |
133,023 |
131,541 |
130,278 |
129,696 |
129,793 |
|
Carroll County |
13,081 |
13,102 |
13,096 |
13,109 |
13,106 |
13,085 |
13,032 |
13,016 |
13,016 |
|
Champaign County |
16,787 |
16,714 |
16,544 |
16,380 |
16,235 |
16,098 |
15,931 |
15,890 |
15,890 |
|
Clark County |
62,063 |
61,925 |
61,805 |
61,703 |
61,648 |
61,354 |
61,108 |
61,055 |
61,056 |
|
Clermont County |
77,537 |
76,707 |
75,470 |
73,839 |
72,452 |
71,063 |
69,653 |
69,025 |
69,226 |
|
Clinton County |
17,858 |
17,649 |
17,429 |
17,215 |
17,012 |
16,835 |
16,623 |
16,569 |
16,577 |
|
Columbiana County |
47,049 |
46,984 |
46,973 |
46,984 |
46,599 |
46,350 |
46,228 |
46,083 |
46,083 |
|
Coshocton County |
16,211 |
16,248 |
16,262 |
16,293 |
16,304 |
16,231 |
16,136 |
16,107 |
16,107 |
|
Crawford County |
20,610 |
20,555 |
20,494 |
20,476 |
20,416 |
20,286 |
20,200 |
20,178 |
20,178 |
|
Cuyahoga County |
621,029 |
620,566 |
619,449 |
618,581 |
618,009 |
617,624 |
617,060 |
616,876 |
616,903 |
|
Darke County |
22,293 |
22,181 |
22,101 |
22,038 |
21,909 |
21,771 |
21,621 |
21,583 |
21,583 |
|
Defiance County |
16,780 |
16,635 |
16,533 |
16,421 |
16,314 |
16,212 |
16,074 |
16,040 |
16,040 |
|
Delaware County |
60,232 |
58,225 |
56,126 |
53,281 |
49,454 |
46,267 |
42,988 |
42,374 |
42,374 |
|
Erie County |
37,422 |
37,082 |
36,820 |
36,557 |
36,428 |
36,245 |
35,976 |
35,909 |
35,909 |
|
Fairfield County |
55,553 |
54,628 |
53,600 |
52,057 |
50,669 |
49,735 |
48,784 |
47,934 |
47,922 |
|
Fayette County |
12,553 |
12,403 |
12,272 |
12,200 |
12,093 |
12,019 |
11,927 |
11,904 |
11,904 |
|
Franklin County |
518,818 |
512,791 |
507,115 |
498,717 |
489,789 |
481,313 |
473,118 |
471,007 |
471,016 |
|
Fulton County |
17,183 |
17,058 |
16,887 |
16,756 |
16,579 |
16,441 |
16,275 |
16,232 |
16,232 |
|
Gallia County |
13,386 |
13,416 |
13,441 |
13,453 |
13,524 |
13,509 |
13,450 |
13,498 |
13,498 |
|
Geauga County |
35,234 |
34,939 |
34,498 |
34,171 |
33,845 |
33,442 |
32,975 |
32,805 |
32,805 |
|
Greene County |
64,949 |
63,715 |
62,671 |
61,555 |
60,509 |
59,475 |
58,503 |
58,224 |
58,224 |
|
Guernsey County |
19,566 |
19,541 |
19,373 |
19,269 |
19,120 |
18,983 |
18,819 |
18,771 |
18,771 |
|
Hamilton County |
383,856 |
382,655 |
380,584 |
379,107 |
376,936 |
375,148 |
373,736 |
373,379 |
373,393 |
|
Hancock County |
32,904 |
31,847 |
30,914 |
30,722 |
30,441 |
30,188 |
29,867 |
29,785 |
29,785 |
|
Hardin County |
13,152 |
13,155 |
13,085 |
13,063 |
13,027 |
12,994 |
12,925 |
12,907 |
12,907 |
|
Harrison County |
7,766 |
7,786 |
7,782 |
7,769 |
7,748 |
7,726 |
7,691 |
7,680 |
7,680 |
|
Henry County |
12,166 |
12,041 |
11,975 |
11,893 |
11,806 |
11,728 |
11,647 |
11,622 |
11,622 |
|
Highland County |
18,226 |
18,137 |
18,033 |
17,845 |
17,756 |
17,708 |
17,608 |
17,583 |
17,583 |
|
Hocking County |
12,551 |
12,427 |
12,373 |
12,192 |
12,194 |
12,177 |
12,149 |
12,142 |
12,141 |
|
Holmes County |
12,687 |
12,574 |
12,462 |
12,339 |
12,326 |
12,319 |
12,288 |
12,280 |
12,280 |
|
Huron County |
24,650 |
24,487 |
24,336 |
24,164 |
23,999 |
23,812 |
23,641 |
23,594 |
23,594 |
|
Jackson County |
14,600 |
14,550 |
14,456 |
14,364 |
14,293 |
14,169 |
13,961 |
13,909 |
13,909 |
|
Jefferson County |
33,546 |
33,615 |
33,584 |
33,616 |
33,522 |
33,431 |
33,317 |
33,291 |
33,291 |
|
Knox County |
23,826 |
23,515 |
23,180 |
22,825 |
22,502 |
22,190 |
21,869 |
21,794 |
21,793 |
|
Lake County |
97,839 |
97,104 |
96,213 |
95,464 |
94,946 |
94,237 |
93,638 |
93,487 |
93,487 |
|
Lawrence County |
27,419 |
27,452 |
27,475 |
27,499 |
27,492 |
27,381 |
27,227 |
27,189 |
27,189 |
|
Licking County |
65,368 |
64,399 |
63,519 |
62,042 |
60,930 |
60,005 |
59,075 |
58,802 |
58,760 |
|
Logan County |
22,958 |
22,831 |
22,673 |
22,475 |
22,239 |
21,966 |
21,658 |
21,571 |
21,571 |
|
Lorain County |
121,823 |
120,161 |
118,428 |
116,724 |
114,941 |
113,409 |
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