Judging the legitimacy of attorneys and debt consolidation programs
The cases of bad credit and bankruptcies have risen sharply and so is the number of credit service organizations looking to trick you through inaccurate and illegitimate claims. It is never possible for any credit service organization to make modifications in a consumer’s credit history without following certain steps. Further, the chances of getting a clean credit report are also slim. There are methods of online debt consolidation, but they have also ceased to be safe anymore. This article will tell you more about ways to face and identify illegitimate attorneys and credit service companies.
- Ask for license of proof – The first thing that you must do is ask forproof of license. Possession of Certificate of Authority is important foran attorney or a debt consolidation company operating legally.
- Contact your state’s Attorney General – The first step may be difficult for you. You can get in touch with your state’s Attorney General to make sure if the attorney or debt consolidation company has the license to carry out operations in your state. Ask for anything against the company that the Attorney General might know through investigations carried out on the company.
- Get in touch with Better Business Bureau – The favorability rating of the attorney or the debt consolidation company amongst consumers is a powerful indicator of legitimacy and performance. A low rating is indicative of poor services as it is fueled by a large volume of consumer complaints. Get hold of the company’s report to learn the reasons behind the consumer complaints in detail.
- Visit a consumer rights organization – The best way to gather information about the attorney or debt consolidation company is by visiting a consumer rights organization. Learn more from the various complaints made by consumers and use the information to your advantage. The Consumer Action’s website is the right place to file complaints. You can also call them up at 415-777-9635.
Last but not the least, it is very important to know if the attorney or debt consolidation company ahs the membership of the National Association of Certified Credit Counselors (NACCC). Members of this association are governed by strict rules, which decreases the chances if illegitimacy. You can learn about the member agencies from a non-profit organization by the name of National Foundation of Credit Counseling. You can also call up the organization to know more about attorneys and debt consolidation companies.
The aforesaid steps will assist you in determining if you’ve resorted to the right company to have your debts addressed. Nevertheless, efforts from your part are always important. That is to say, you’ll require carrying out proper researches to develop your own techniques of spotting an attorney or a debt consolidation company illegitimately in operation. There is no dearth of resources that you can make use of to choose the right attorney or debt consolidation company to have your debt erased. The sooner you get
on it, the faster you’ll become debt free without falling prey to illegitimately operating attorneys and debt consolidation companies.
Guest article from Sophie Kinsella