Not every credit counselor is the same, which is why you should shop around for the credit counselor who best fits your needs. Stay away from credit repair scams and review the following information on what to expect from a credit counselor.
Generally, in your first session, the credit counselor will talk with you about your current finances, helping to calculate what your budget looks like. By the end of the session, the counselor will help you develop a personal budget plan and offer recommendations for additional counseling and resources that may help. Credit counselors:
The New York State Banking Department provides a list of New York State licensed budget planners.
The National Foundation for Credit Counseling can provide more information on financial education and counseling services.