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These organizations can identify any that have had consumer complaints. However, not having a complaint is no guarantee that they are legitimate. If you decide to use credit counseling services, read the contract agreement before you sign. The contract should disclose fee or contribution amounts; a description of services; an estimated payoff schedule; termination provisions; and, the dispute resolution process.
The desire for financial freedom is something many people share. If you decide to work with a consumer credit counseling agency, make sure their goals match yours and you are not tied to a scam that can put you into a bigger financial hole.
Whenever you sign a short term payday loan singapore online agreement, you agree upon a payment schedule.