Any one that is considering credit counseling is going to be looking for the best credit counseling company to help them get their credit cards paid off. As far as credit counseling agencies go, they are non profit and have to be certified to be listed as a non profit agency.
Most credit counseling companies are similar, but the 2 things that I consider important are the making of consistent, on-time payments and offering quality customer service. It is important that you have a company that is understanding and has your best interests in mind. Since debt can be overwhelming, it is important to select a company that has great customer service.
Care One Debt Relief Services is a company that can be contacted by phone, online or through an online chat resource and has a reputation for providing legendary customer service. When you have questions or concerns about how debt relief works, you do not want to wait a week for an answer.
When I enrolled in credit counseling, one of the things that was most important to me was on time payments. I had not made any late payments and just because I was asking for debt management help, I did not want that to change. As long as you are dealing with a reputable debt counseling company, this should not be a problem. You will be paying (usually electronically) the credit counseling company one time each month and they will pay each of your lenders.
As long as you can make a 2% payment on the debts that you have enrolled in the plan, the program is relatively simple. It will take 3 to 5 years to complete. Not only will you be debt free at the end of it, but you will be credit worthy. This is something you will not have with debt settlement. Getting a debt consolidation quote and getting started is the best thing you can do. Delaying making decisions about your debt will only increase your stress and decrease your debt relief options.