It seems that whenever we turn on the Internet we see ads for consumer credit counselling to help us with debt solutions and there are so many companies and experts who say this is a great way for consumers to get out of debt.

But when looking for such a company to help us with debt solutions, many people believe that the decision to join a credit counseling company is one of the hardest decisions to make when in all reality it can often be finding the right company to use.

If you are also facing such a problem, here is a list of 5 questions in which you need to ask any debt relief program before enrolling:

1. Will this affect my credit? All debt relief programs will affect your credit whether you like it or not. This question is to test if they are telling you the truth.

2. How long have you been in business? We recommend that you do not work with a company who has been in business under 12 months.

3. Are you licensed to do business in my state? Might sound like a silly question but in order for a company to do business in certain states it requires them to have a license and be backed by a law firm.

4. Do you have any accreditations? It is important that you are working with a company that is and has been accredited by its regulators in which it conducts business.

5. Do you get paid a commission? Sales representatives that are paid by commission are more likely to charge you more fees and place you into a program that does not make the most sense for you in order to make more money.

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