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't have any qualification to work with credit problems.

* Enquire about the services offered at your consumer credit counseling agency. Avoid companies which offer you a quick solution to your credit problems.

* Before joining any consumer credit counseling service, read testimonials and reviews of agencies previous or current clients. This step will surely help you to choose the right consumer credit counseling agency.

Most of the consumer credit counseling agencies have their official website, where you can find testimonials. If any friend of yours faced any financial problem and ever visited a consumer credit counseling service, don't hesitate to ask them. As they are experienced, they will help and guide you the right way.

* Be sure that the agency you are going to is registered as BBB, ?Better Business Bureau?, which is a quality sign.

With diligence, patience, time and proper credit counseling you can become debt free.