Just In Time Lending

Even in such financial crises situation people tend to cheat innocent people. Instead of providing debt relief help; there are credit counseling agents who have cheated people and destroyed their lives. People seek debt relief help in order to make their lives better and to solve liability issues.

One of the most recent scam done by a debt settlement service provider was printed in the news paper. The counseling service charged debtors before providing any service and then they ran away. There was no sign of the company and those innocent people who were trying to obtain help found that they were now in much deeper troubles. Here are some tips which can be useful in finding non-profit debt counseling service providers.

1. Members and companies listed on the website of national foundation of credit counseling services are recognized for their legitimacy. This website provides and updated list of those companies which use legal ways to help their clients and have not cheated any clients to date. You can select a company from this list and achieve liability relief through credit counseling.

2. The department of justice of US maintains a list of legal liability counseling service. They maintain a list of counseling service providing companies. This list gets updated quit regularly and this list contains information about different liability counseling services located in different states. If you have shortlisted a company in your state; you can check this list to see whether your company is listed by them or not.

3. Another organization that can help you locate legitimate credit counseling service is Association of Independent Consumer Credit Counseling Agencies (AICCCA). This association sets quality standards for the counseling service providers and keeps a watch over the credit counseling service providers associated with it. This association even provides a list of its members so you can cross refer to check whether your company is a member or not.

4. Better Business Bureau (BBB) maintains a list of legitimate counseling companies. If the credit counseling company you have selected is listed or associated with this organization then your selection is up to the mark. The liability relief network even maintains a list of such companies.

5. The way a company advertises and charges fees to its clients even help the clients determine whether the company is legitimate or uses illegal practices. Those companies that make promises that seem almost impossible to be fulfilled are fake or illegal companies. This is because there is no magic which can help a client get out of liability issues. Credit counseling is a long and technical process and time is consumed to help people out.

Getting out of debt through a debt settlement process is currently very popular but you need to know where to locate the best performing programs in order to get the best deals. To compare debt settlement companies it would be wise to visit a free debt relief network which will locate the best performing companies in your area for free.