DEPT: How to Select a Debt Consolidator

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When you have too much debt and are looking for a way to reduce it, you may be considering debt consolidation to get your debt under control. There are plenty of debt consolidation companies out there that are happy to take your money, but how do you choose a debt consolidator that is legitimate and looking out for your best interests? Choose a debt consolidator who is willing to work as your partner to help you get out of debt once and for all.

STEP BY STEP HOW TO SELECT:

1. Step 1

   Research different debt consolidation companies. Retrieve their contact information so that you can call them. You can research companies by going to the website in the Resources section, and choosing your state to see the different companies that are available to you.

2. Step 2

   Gather your debt information. You should have credit card statements, past due bills and any other correspondence from creditors. Add all of your debts together for a total amount that you are in debt.

3. Step 3

   Call the first debt consolidator and speak with a representative. Give her your numbers as far as how many creditors you have and how much total debt you have. Ask for an estimate of how much your consolidated payments would be, how much interest the debt consolidator charges and the terms of that particular company's consolidation.

4. Step 4

   Write down the information that the customer representative gives you as far as the terms of the agreement and the estimate. Then move onto the next debt consolidator on your list.

5. Step 5

   Choose a debt consolidator once you've spoken to at least five companies. Choose the consolidator that not only gives the best estimate, but that you feel most comfortable working with in regards to terms and policies. Enter into an agreement with that consolidator to use them as your debt consolidator.

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