The word “counseling” can sometimes trigger a negative reaction. It may conjure up images of someone laying in a psychiatrists couch, or someone with extreme depression or mental illness.
Counseling, for many people, has a stigma attached to it. But for others, it can be a life altering experience. Instead of looking at counseling as admitting a weakness, you may want to see it as a strength — admitting you need help can be a very difficult thing to do.
More and more people are signing up for debt counseling these days. Maybe you recognize that you can’t make your monthly payments anymore and even balancing your checkbook has become a stressful activity that you put off. If you are struggling and just don’t see a way out, debt counseling might be a good option for you.
A good debt counselor will try to help you determine how you ended up in financial trouble in the first place. Without understanding the “why” behind your debt, your freedom may be short-lived. But, if you can take care of the problem at the root, then you can put yourself on the right track to get rid of your debt once and for all.
So how do you find a qualified debt counselor? One of my favorite resources is DaveRamsey.com. You can find an ELP (experienced local provider) who can help you.