Credit Card Debt Counseling - Where to Locate Free Credit Card Debt Counseling Online

If you encounter problems with making your monthly minimum payments to the credit card company and the bills pile up in front of your door, then it is time to seek financial counseling.

The internet can offer you endless information on any possible subject, credit card debt counseling included. The question that arises is not whether you can find online professionals to help you but, more likely, HOW can you find such people? How can you select them amongst the thousands of result search your search engine offers you?

There are several requirements a debt settlement company has to meet.

First of all, you must not sign a contract with the first debt settlement company you lay your eyes on. Not even if they offer you the highest debt reduction. Some companies can offer you awesome results but ask in return for a huge fee that sometimes compensates by far the amount of money they helped you to save. So you end up loosing money, instead of saving. Before signing a deal with such a company, you must make sure they require as payment and percentage of what they help you save. This way, you will be assured that the fee they get is directly proportional to their performance.

Secondly, you must check the legitimacy of the company. The trustworthy companies have governmental certifications, have qualified employees and are members of several organizations such as BBB (Best Business Bureau), the Chamber of Commerce and TASC (The Association of Settlement Companies). If they are members of TASC, the TASC symbol will show up on their webpage.

If you still find it hard to get in contact with a reliable debt settlement company, you can search in the data bases of a debt relief network in your area. Such networks have lists with the accredited settlement companies and tracked the companies records over the time.

It would be wise to not go directly to a debt settlement company but rather first visit a debt relief network. The top debt relief networks only allow debt settlement companies into their accredited organizations that prove a track record of successfully negotiating debts and have also been certified. They are free to use and offer helpful debt relief advice