For many consumers drowning in debt, finding a debt-eliminating solution is a priority. While many television commercials and Internet advertisements claim to help people fix or repair their credit, how can customers be sure they are working with a legitimate agency?

Falling victim to companies with less-than-honorable intentions, many consumers, seeking debt relief help, have actually had their credit worsen and have been scammed out of thousands of dollars. As with any purchase, investment or service, consumers need to be aware of debt relief scams and choose their credit-rebuilding agencies carefully; always remembering to perform thorough research on the company.

Legitimate debt help is available to all consumers. Help can either be in the form of informative, consumer-directed articles and advice, or by means of visiting a non-profit consumer credit counseling agency. The first option is the least expensive and allows consumers to try to improve their credit standings on their own. Advice on debt reduction, interest rate negotiation, and pay-off plans is designed to help consumers inventory, manage and eventually eliminate their outstanding debts.

Not-for-profit, consumer credit counseling agencies do require fees for services. Different from those usually involved in debt relief scam operations, fees will be smaller and the company will have a positive rating with your city’s local Better Business Bureau. Appointments will usually be made in person and the agency will have a long-term, established reputation within your city’s business community. A free or low-cost consultation will usually be provided to see if the agency can help you or if you would be better suited to visit a bankruptcy attorney. If the agency is able to help, a contract may need to be signed; outlying the agency’s fees, assistance provided and consumer expectations. Be sure to read everything in great detail and if unsure of any terms or conditions, consult with a qualified third party before turning over any payments or personal information.

Once you have decided the debt relief agency and yourself are a good fit; always maintain a proactive and involved approach. When advice is given; follow through with it to help your credit improve as scheduled. If payments are made directly to the debt agency, make sure creditors are receiving their payments on-time, as the number one scam of many so-called, “debt relief agencies” is to pocket people’s payments; intended to go towards their bills. Adhere to the discussed time frame with scheduled payments and your debt will be eliminated by caring, legitimate professionals.