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How to choose competent credit counseling

There are many people in the Tampa area who face credit, as well as other types of financial problems. When someone is in deep financial trouble he or she should probably look for help to get out of that situation, there are many different options for someone who has credit problems. Some options are better than others depending on a person’s specific situation. One method of relief is to find a credit counselor.

However, when a person decides to seek help from a credit counselor there are some important factors to consider before choosing whom to use. According to the Federal Trade Commission, most trustworthy and reliable credit counselors offer their debt relief help as a non-profit service. That does not always mean that their services are free, which means people need to research any possible credit counselor thoroughly.

There are several steps people can take in order to find the right credit counseling service. According to the Better Business Bureau, anyone looking to get out of credit card debt with the help of a credit counselor should review and evaluate the firm’s ads and make sure that the agency is accredited and licensed. It’s also a good idea to research and interview more than one agency to get a good comparison. One should also determine what qualifications and certifications the counselor has.

Meantime, although many of these services work from varying locations, including online and over the phone, it’s best to work with an in-person counselor if possible. There are obviously many things to consider when choosing a credit counselor to help one get out of debt. The bottom line is to remember to do the necessary research and evaluation before making a decision.

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  • "When I first came to the decision to file for bankruptcy, I had no idea where to start. I began researching attorneys on the internet and came across the information for Tim Sierra. Since he specialized in bankruptcy and had a lot of experience......"
  • The process of going through bankruptcy could be very overwhelming but Tim made me feel at ease and I felt that my needs were being taken care of. I truly feel that he had my best interests in mind and the lines of communication were always open....
  • "I had to file a Chapter 7 bankruptcy. I didn't know anyone who could refer someone so I took a chance and just looked on the Internet. I don't remember exactly why I chose Mr. Sierra, but I am glad I did..."
  • He was honest, straightforward, and hard-working. In my case I ended up with some extenuating circumstances and he handled the matter professionally even though I'm sure the work probably exceeded what he originally felt it would be....
  • I don't ever write reviews, and I had no prior relationship with Mr. Sierra. This review is simply being written as a service to others that Mr. Sierra is an excellent attorney and should be considered for your needs if you need one....
  • "I'm very happy to have been referred to Tim for my Chapter 7 filing. He was knowledgeable in his field and very responsive in replying to any questions or concerns I had. Tim was also very accommodating with meeting times..."
  • " I recently was in need of Mr. Sierra's services and I found him to be very understanding and helpful in my particular circumstance. He met with me and explained everything in full detail and also answered every question that I had....."
  • " I recommend Timothy Sierra a loyal and dependable lawyer. When you talk to him you feel that you are with a friend or a member of your family. Timothy is able to lead you in every step of the process. Good job Timothy."
  • " Bankruptcy is a private and personally devastating life event. Timothy Sierra and his assistant, Nancy, made the process as painless as possible. They kept in close contact via phone and email so I always knew what was happening in my case...."
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