With the economy as it is right now, there is a greater need than ever before for debt consolidation consultation. An unprecedented number of families and companies are having a difficult time making ends meet. With the aid of a Debt Consultant, their financial situation is bound to improve.

There Is Hope: Help Is Near

There are some debt consolidation companies that are considered non-profit and charge on a sliding scale. If you find yourself in a debt dilemma, know that solutions are available: “Seek and ye shall find”!

Pick Up the Phone

The first step is to call and make an appointment with a debt consultant. During that call, you, as the client, are given a list of information that should be brought to the appointment. If married, it is strongly suggested that both spouses attend that debt consolidation meeting together. A letter may be sent as a prior reminder of the appointment and what is needed.

Items Related to Debt:

• Current and Past-due Monthly Household Bills
• Current and Past-due Credit Card Statements
• List of Monthly Household Expenses
• Car Loan
• Car Insurance Policy
• Mortgage and/or Rental Information
• House Insurance Policy
  

Along with data related to debts a couple or group has incurred, information related to individual and household income is necessary. In fact, this information is essential to enable the consultant to evaluate a financial situation.

Income Related Items:

• Pay Stubs
• Statements Related to Current Certificates of Deposit
• Statements Related to Stocks and/or Bonds
• Statements Related to Mutual Funds
• Income from Rental Properties
• Bank and/or Credit Union Statements
• Life Insurance Policies
• Cemetery and/or Funeral Home Contracts
  

When the client arrives for their first appointment, they submit all this information to the consultant. After a few minutes of getting acquainted, the consultant will look over their information.

Nothing Changes Overnight

A thorough assessment cannot be made in one day. However, the consultant will chat about some of the major debt areas with the client. After some discussion of their current financial situation, the debt consultant will propose a general plan and schedule a second appointment. The debt consultant may suggest how to contact creditors before the next appointment.

Financial Clarification and Consolidation Resolutions

By the end of the second appointment, the client will have a clear idea of exactly what spending habit changes are needed. The debt consultant will then contact debtors for negotiations. Within a few weeks, most or all of their debts should be consolidated so they will have basically one payment. They may transfer balances to a lower interest rate credit card, or perhaps choose to get a loan to pay them all off. Whatever they choose, their situation will be much improved due to the debt consultant’s assistance!

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