Credit Counseling – Tips to Working with your Counselor

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A Beneficial Financial Relationship

If you’ve approached a credit counselor or a debt counselor to help you get your finances in order, you’ve already taken the first step towards improving your life.  Now, it’s just a matter of making sure that the counselor has all the information needed to give you the help you need. So we urge you to keep the following tips in mind, while you work with your counselor.

Be Financially Honest

Some people may try to downplay their financial woes when they come in to talk to their counselors.  Remember that we’re not here to judge you.  We’re just here to help you.  So you should be completely honest with your counselor.  Tell them about all the debts that you have.  Go into all the pertinent details, even if they might seem unimportant.  Bring in as much paperwork as you can so that we can get a better idea about your needs.

Be Financially Organized

Of course, this is easier said than done.  Often, people who are in debt feel as if there’s a mountain of paperwork for them to deal with.  Collection agencies keep sending reminders month after month.  You may have gotten so fed up looking at these bills that you may not even be opening them anymore.  Now, it’s time to sit down, gather everything together and divide it into various piles, one for each place that you owe money to.  Your counselor will appreciate any effort you make in this direction as this will make the job easier for us too.

Communicate Financial Goals

Maybe you’re hoping to get out of debt in two years.  Or maybe you think that two years aren’t possible and you’re hoping for ten.  Whatever your expectations might be, it’s best to communicate them to your counselor.  We may or may not be able to meet all these expectations.  It all depends on the extent of your debt.  However, we’ll be sure to give you the next best option and you can decide where you want to go from there.

Practice Faith over Your Finances

At Christian Credit Counseling, we believe that faith, when accompanied by a solid practical outlook, can solve all your debt and credit problems.  Just remember that God helps those who help themselves.  And no matter how dreary your outlook might be at present, God has a plan for you to help you make things better.

Do you want to know more about debt and how you can make smart financial decisions now that will help you secure a more prosperous financial future? Sign up for our newsletter for monthly money tips.

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