What can I do when logged in?

You can submit new articles, so we can make unique versions of them and distribute them for you.
If you want to simply publish the same article on 800 websites, you can tell us to do that.
You can see the archive and current status of all your article distributions.
You can order any number of high-quality articles - just let us know your keywords.
You can browse the archive of all the articles we have written for you.
You can order our Complete Service (10 high-quality articles plus 10 article distributions).
You can purchase more credits for our services and check your affiliate earnings.
Much more ...

SpinDistribute.com Article Directory

The following article was published in our article directory on July 15, 2013.
Learn more about SpinDistribute Article Distribution System.

5 Questions You Should Ask Your Credit Counselor

Article Category: Advice

Author Name: Gregory Haynes

If you are seriously contemplating on talking to a credit counselor; then you need to get all your ducks in line, before making the call or sign up for credit counseling. Below are a few questions you should always ask. Of course the list is not exclusive. Feel free to modify the questions, and ask specifics based on your situation.

Are you the right credit counselor for me?

This should be your first question. This will prompt the counselor to discuss specific concerns relevant to your case. For example, the state in which he/she specializes in; or the concerns he is a subject matter expert at i.e. bankruptcy, foreclosure, credit repair, debt settlement. Tip: make sure that the credit counseling service you call is properly licensed.

What information do you need from me?

To save time, you should ask this as soon as possible. This way you have the option to search for the documents before your counseling gets under way. At the very least you want information relevant to your debts, creditors, income, expense, etc., on the ready. Tip: when in doubt; state the information based on your best knowledge. It is also better to overvalue expenses and undervalue income. Hopefully, not by much!

What are my options?

You always have options. Granted, one will be better than the others. Knowing the same allows you to weigh the advantages and disadvantages of the same. In the end the decision on which act (or omission) to choose is up to you. So choose wisely.

Tip: differentiate between short term and long term alternatives. In some cases it is better to choose a less favourable short term option in order to prepare for a much better long term option. For example, filing for bankruptcy maybe easier today, but paying your debts via debt settlement maybe better in the long run (or vice versa).

What is debt settlement?

This is especially important if your credit counseling service is offering to negotiate for you. Why? Because you want to know what are the procedures they will take in championing your cause. Be especially wary of providers who will only work on consolidating the loan. You want a provider that will negotiate to have penalties, interest, and even the principal debt lowered. Yes, it is possible to do so. This is especially true if your debt is about to be sent to be collection agency.

How much will this cost me?

This is not being a cheapskate. You are looking to save money and generate financial freedom, so better start now. In most cases the fee will be minimal. And the benefits are way more than the actual cost. But it is still better to be sure.

Tip: cheaper is not always better. For the amount being charged, you need to know what services you will be given i.e. number of hours of consultation. There are also providers who will negotiate with your creditor for you. This can be a packaged service or an optional one.

Keywords: Credit Counseling

Learn more about SpinDistribute Article Distribution System. We also offer Professional Article Writing to everyone who's looking for high quality web content.

SpinDistribute.com Network

Each article you submit at SpinDistribute.com is sent through our innovative Article Distribution System to our network of more than 1840 publishers - about 55% of them are high-quality article directories, 30% of them are niche blogs and 15% of them are other content-rich websites.

To achieve the best possible success we only publish your article to most related websites. This means your article will show up on approximately 640 - 880 most related websites which will give you great SEO results.

We also offer a separate Professional Article Writing Service to everyone who's looking for high quality web content and well researched unique articles.