Q: How do I choose a debt consolidation company?

A: First, you need to select a company you're comfortable working with. Are the people friendly and accommodating? If not, that's a bad sign. Secondly, you need to make sure that one of the programs they offer is right for you. A good debt consolidation company will have an agent work with you to find the right program, but if it seems he's more interest in getting you enrolled than actually helping you, head for the door. Third, check into the company on the Better Business Bureau's Web site, www.bbb.org. Look into any complaints they may have had filed against them. Any business is likely to have one dissatisfied and angry customer, whether it's a debt consolidation business or a local grocery store, but a slew of complaints are proof-positive that the company is no good. Look elsewhere.

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