What services does this consumer credit counselling agency offer?
If the only services the agency offers are Debt Management Plans you should look elsewhere. A professional and reputable consumer credit counselling agency will also offer a full range of services and counselling. A reputable agency will take the time to sit down with you in person and fully discuss your financial situation and debt problems with you. This should take you at least an hour to an hour and a half. Ideally you should leave with a personalised plan that may or may not include a Debt Management Plan. If the credit counselling service you’re dealing with tries to offer you a Debt Management Plan within the first 15 minutes, they clearly haven’t taken the time to understand your financial situation.
