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The Ultimate Debt Relief Consultation Checklist

A debt relief consultation is a short phone call that takes only a few minutes, but can change your life forever. Getting the most out of your talk with a debt relief expert is crucial to your ability to make the right decision for you and your family. If you want to make sure that the consultation goes well, do yourself a favor and keep these things close by.

* A List Of Questions You Want Answered – Take the time to write down any and all questions you may have before you pick up the phone. That way, you won’t forget them when you actually talk to your debt relief counselor. If you aren’t sure what kind of questions you want to ask, you may want to research debt relief options in depth before you pick up the phone. You may be surprised at the questions that will arise.

* A List Of Red Flags – There are many debt relief companies out there that have come under investigation due to unethical behavior. Before you sign up for any program, make sure that you read up on the warning signs of bad debt relief counseling, as well as bad debt relief companies. Keep the warning signs near you, and if you notice any of the signs present, decline their services and look for another company to work with.

* Your Bills – In a good debt counseling session, your counselor will ask you about all the debts that you’ve incurred, as well as your monthly bills. Having papers dealing with both will make it much easier for the both of you to gauge how well you can handle it all.

* A Notepad And Pen – Chances are very high that you will end up needing a pen and paper to take notes during the consult.

* Your Total Income – Should the counselor offer you advice on budgeting, this can come in very handy. It’s not always necessary, but it’s wise to have it on hand.

* Notes On The Company – If you are shopping around for good debt help, then you probably have contacted more than one company. In order to ensure that you don’t get the companies mixed up, having a couple of notes on the company that you’re calling will help keep things sorted out.

* The Right Attitude - It’s important to realize that debt relief consultations are, in a way, a two-way street. You are scoping out the debt relief company and trying to figure out whether or not you want to use their help to get out of debt. On the same page, debt relief companies will be working to figure out whether or not they can help you. In the event that they can’t, they usually will be able to refer you to a group or organization that can. Either way, it should be a win-win situation for you, assuming that the organization you contacted is an honest one.

With a little pre-call preparation, your debt relief consultation will be one that offers you more information and help than you ever thought possible. So, before you dial, make sure you’re ready to tackle it head-on.