For the debtor who is already at the end of his rope and trying to figure out how to get out of debt, the last thing he needs to worry about is whether the debt counselor he has chosen to help him is going to make his problems worse. He needs to be assured that he is not making a mistake by choosing debt counseling over bankruptcy or working out a settlement with the creditors.

The first thing one should do to gain some certainty that the debt counselor they are planning to choose is reputable is to check with the Better Business Bureau. Of course, this isn