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If you’re thinking about getting help to stabilize your financial situation, do some homework first.Find out what services a business provides, how much it costs, and how long it may take to get the results they promised. Get everything in writing, and read your contracts carefully.They can tell you if any consumer complaints are on file about the firm you're considering doing business with.Ask your state Attorney General if the company is required to be licensed to work in your state and, if so, whether it is.Unsecured debts are not tied to any particular asset, and include most credit card debt, bills for medical care, and signature loans.Most automobile financing agreements allow a creditor to repossess your car any time you’re in default. If your car is repossessed, you may have to pay the balance due on the loan, as well as towing and storage costs, to get it back.
Before you do business with any debt relief service, check it out with your state Attorney General and local consumer protection agency.
Call the local office of the Department of Housing and Urban Development or the housing authority in your state, city, or county for help in finding a legitimate housing counseling agency near you.
If you’re struggling with significant credit card debt, and can’t work out a repayment plan with your creditors on your own, consider contacting a debt relief service like credit counseling or debt settlement.
Federal law dictates how and when a debt collector may contact you: not before 8 a.m., after 9 p.m., or while you’re at work if the collector knows that your employer doesn’t approve of the calls.
Collectors may not harass you, lie, or use unfair practices when they try to collect a debt.
If you fall behind on your mortgage, contact your lender immediately to avoid foreclosure.