1Call and compare 3 different debt management or consolidation company.
2Ask them how much is the cost of program, monthly fees, and additional fees.
3Find out if they let you decide your monthly payments. only a trusted company will let set your budget.
4Ask if they hold your funds in an escrow account. This is a big NO-NO because they have full access to your savings and can just disappear.
5Review the contract never sign something you don’t understand, call the company and ask if you don’t understand the terms.
6Always give it time nothing happens overnight or instantly so be careful of companies trying to sell you false hopes
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