Continuing from where we left off in Choosing a Credit Counselor: 6 Questions to Ask (Pt. 1), here, we will resume our discussion of the specific important questions that people should ask during the process of choosing a credit counselor.
More Questions to Ask When Choosing a Credit Counselor…
Question 3 – What qualifications do your credit counselors have?
The specific type of training that credit counselors have (or do not have) can be very telling about the credibility of a specific company. Companies that may be OK to trust when choosing a credit counselor will be those that train their counselors, have counselors approved by the Colorado bankruptcy court to provide credit counseling services and who are – ideally – trained by a third party (i.e., not the employer or credit counseling company).
Be suspicious of companies that:
- Have no specific training or educational requirements for their credit counselors
- Train their own credit counselors, rather than having a credible third party provide this training.
Question 4 – Are you accredited by the state of Colorado?
If you don’t hear “yes” to this question, move on. You have no use for services that aren’t specifically licensed by the appropriate Colorado authority, and for bankruptcy credit counseling, the appropriate authority is the Colorado bankruptcy court.
In fact, the Colorado bankruptcy court keeps an up-to-date list of the approved credit counseling services in the state, so make sure you check any services you are considering across this list. You can access this list of state-approved credit counseling services here.
We will resume this discussion regarding the questions to ask when choosing a credit counselor in the upcoming conclusion to this blog series – make sure you check it out!
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