What services do you offer?
Look for an organization that offers a range of services, including budget counseling, and savings and debt management classes. Avoid organizations that push a debt management plan (DMP) as your only option before they spend a significant amount of time analyzing your financial situation.
Do you offer information?
Are educational materials available for free? Avoid organizations that charge for information.
In addition to helping me solve my immediate problem, will you help me develop a plan for avoiding problems in the future?
What are your fees? Are there set-up and/or monthly fees?
Get a specific price quote in writing.
What if I cant afford to pay your fees or make contributions?
If an organization wont help you because you cant afford to pay, look elsewhere for help.
Will I have a formal written agreement or contract with you?
Dont sign anything without reading it first. Make sure all verbal promises are in writing.
Are you licensed to offer your services in my state?
If not, run.
What are the qualifications of your counselors?
Are they accredited...