Making the decision on whether or not you should work with credit counselling in Ottawa is critical to your financial health. Imagine how successful counseling can change and improve your financial life forever.
Being an important decision to make, it's only reasonable to take the time in making these kinds of decisions. Doyle Salewski Inc. says you need to ask the right questions if you want to find the right counselor. A good counselor should also help you set your goals, get you out of your debts, help you create a monthly budget, gather your financial documents, and more.
Being an important decision to make, it's only reasonable to take the time in making these kinds of decisions. Doyle Salewski Inc. says you need to ask the right questions if you want to find the right counselor. A good counselor should also help you set your goals, get you out of your debts, help you create a monthly budget, gather your financial documents, and more.
Ask your potential credit counselor these questions:
1. What are your qualifications?Most preliminary conversations between a credit counselor and a client happen over the phone. Be sure to use this opportunity to learn more about his debt counselling help experience. They should be accredited through the National Foundation for Credit Counseling or the Council on Accreditation.
These accreditations prove that the counselor and the agency he works for are particular about meeting certain standards of training and education.
2. How can you help me reach my financial goals?
You must understand that many credit counselors specialize in different areas. One counselor could specialize in consolidated debt counselling while the other may be more inclined to student loans. So before anything else, ask whether or not he has the right training to help you.
3. What do your services cost?
The cost should vary depending on the service they offer. For instance, simple financial counseling should be free. The counselor can also give you a detailed packet outlining your budget for free.
However, signing for services like debt management programs, student loan counseling, or pre-home buying classes will definitely cost you. You can ask for the regular monthly costs within a particular duration, which would typically be three to five years, depending on your financial situation.
4. How do you provide your services?
You must first decide on whether you want to receive the service phone, online, or face to face. Effective financial counseling services are more likely to accommodate your preference.
5. How will your services affect my credit scores?
One of the most common reasons why people get debt management help is because they want to pay off their debts while building a better credit score. Before you decide to sign up for any service, discuss how the program could potentially affect your credit scores.
6. How often will we work together?
It's important to build a trusting, honest, and professional relationship with your counselor, especially if you plan on working together for a long time.
Some people share ongoing relationships with their credit counselors while others meetup once or twice. Make sure to set a schedule that works for the both of you.
A good credit counselling in Ottawa should be your partner in achieving your financial goals. don't be afraid of asking questions, your financial health is on the line after all. After your initial conversation, take all the time you need to think over your choice as this will also help you make better decisions in the future.
