You are probably wondering which questions to ask your advisor to get the most out of your appointment. Here are some tips!
Know that you are on the right track
First, you should not be ashamed to use credit counselors. Many successful people today have gone through financially. You should be proud to take steps to improve your situation and should put all your questions without fear. He is bound to be discreet and respect rigorous ethics in relation to your personal finances.
Preparing for a meeting
Before you meet with your credit counselor, you need to call to find out what information you need to provide. This may include the following things:
- Your financial records for the last three months;
- Your platinum and tax information;
- Your bills and all late payment notifications;
- list of your creditors and outstanding amounts;
- List of properties you currently own.
In addition, many credit counselors want to know about your money and expenses and your weekly budget, which can help them understand your habits. Be more specific.
Start at the beginning
When you meet with your credit counselor, your first question will surely be who pays your visit. Most credit counseling services are free for those who can not pay. Some seek a small donation at the end of the service when your financial plan is in motion. The required payment, if any, depends on the type of consultant for the consulting credit advisors.
Learn about it from the beginning to avoid any complications or misunderstandings.
Get to know your rights
If you have specific questions about financial problems and their impact on debt repayment goals, do not hesitate to talk about it.
This is important because, with little luck, your consultant and you will develop a financial plan approved by your creditors. Therefore, we must take into account all that could affect this repayment schedule.