Consumer credit counseling is a big service field in the United States. It is a common problem for many in the United States to face a potential credit card debt. To show these persons the right way to act these credit card counseling services are in the scenario.

Every year, more than one million persons in the United States visit credit counselors or credit counseling agencies. They want help to get rid of their credit card debts and regain financial control. But still consumer credit counseling services is a mystery to many. They do not know their working processes and the services which you should get from them when you hire them.

First and foremost thing that you should know is that consumer credit counseling services do not work for you. They work for the lenders. This means that they might have a relationship that will influence their advice. They will suggest loans from a specific lender as they probably get a commission from it.

Here we give you some hints about the working method of consumer credit counseling. Suppose you visit a consumer credit counseling to get rid of your problem. They will convince the lender to decrease your interest rate- and yes, of course this is good. But the bad news is that you are still paying 90% of monthly payment to combat with credit card interest.

Here are some questions you should ask to your consumer credit counseling service agency.

* The first question you should ask is a money matter, meaning - how much will they charge you for their service. Many consumer credit counseling services even charge more than $100, which will not go to any of your creditors. So be aware and ask your first question about their fees.

* Confirm that the consumer credit service you are to join is registered with a financial institution or not. Most of them don