Once you have someone who you think might be right for you, it is time to make contact and see what they are really like.
You want to see if they communicate well. You want to know if they are easy to reach. You want to see who deals with you when you call them or visit their offices.
How do they treat you? Are they kind? Polite? Professional?
Do they tell you all about the process or just pressurise you to sign up?
Do they discuss the legal side of debt review?
Do they tell you about how credit providers might react to your application?
Do they gloss over the fact that it is a big change to a “cash” lifestyle (instead of credit and plastic)?
Do they take their time and really explain the entire process to you, in detail?
Do they find out from you about how you got into trouble or just rush to get your signature on paper?
Do they have their NCR registration certificate displayed on the wall or their website?
Do they make promises that seem too good to be true?
Do they advise you use a PDA for the money side of things? *
Do they ask you to pay an upfront fee or fees into their bank account? If so, please run, as this is almost definitely a scam!
You may prefer to have a Debt Counsellor who is super chatty and friendly, or you may prefer to have someone who is strictly business, it’s your choice. You need to find someone who is a good fit for YOU.
* you don’t have to use a Payment Distribution Agent but most people find it is so much easier to use one and makes life much, much easier.
