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    If you're struggling under a massive pile of debt, one option available to you is credit counseling. Credit counseling agencies are designed to help you put together a plan for getting out of debt. But you need to make sure you work with a reputable credit counselor and that you ask the right questions.

    Before selecting a credit counseling agency, you need to do your research on the available agencies in your area. Once you've narrowed it down to some good possibilities, you'll want to interview an agent from each agency before you hire them, sign anything, or give them money.

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    agencies are designed to help you put together a plan for getting out of debt. But you need to make sure you work with a reputable credit counselor and that you ask the right questions.

    Before selecting a credit counseling agency, you need to do your research on the available agencies in your area. Once you've narrowed it down to some good possibilities, you'll want to interview an agent from each agency before you hire them, sign anything, or give them money.

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    While it is always a good idea to show your customer appreciation, the holidays are an important time to do so. Traditionally, the holiday season includes an abundance of gift giving and showing the important people just how valued they are to you. Smart companies p a reputable credit counselor and that you ask the right questions.

    Before selecting a credit counseling agency, you need to do your research on the available agencies in your area. Once you've narrowed it down to some good possibilities, you'll want to interview an agent from each agency before you hire them, sign anything, or give them money.

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    You'll want satisfactory answers to the following:

    Are they federally approved, nonprofit and tax-exempt? Ask for its copy of the IRS approval of nonprofit status document. If they can't show this to you but tell you they are non-profit, look for another agency.

    Are they licensed to offer credit counseling in your state? Not all states require a license but if yours does, make sure the credit counseling agency has the proper license.

    How do they charge fo

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