Credit counseling is not a very well-regulated industry today. In the past, credit counseling was operated more like a social service rather than as a business designed to make a profit. The industry was known by the general term CCCS (Consumer Credit Counseling Service) and operated under the general guidelines of the NFCC (National Foundation for Credit Counseling).
The lay of the credit counseling landscape has changed. As more and more consumers find themselves deeper and deeper in unsecured debt (think credit cards), more and more for profit credit counseling services have sprung up. Some of these services are very good and very fair, but be aware that not all of them are. Some credit counseling services are good, others are bad, and then there are those that are just evil.
1. The debt management service that you choose should be a member of the BBB (Better Business Bureau). You can check with the BBB to see if the company has a good record and if there have been any complaints filed by others. Membership in the NFCC (National Foundation for Credit Counseling) or AICCA (Association of Independent Consumer Credit Counseling Agencies) is also acceptable.
2. If the debt management service promises you that it will take 20 minutes or less to solve all the financial problems, you need to run as fast as you can. They are referring to THEIR financial problems and not yours. It takes time and effort by a debt management service to help with your financial problems and get you the best deals possible.
3. Be certain that the debt management company can help with all of your unsecured debt and do not just deal with a few companies. Half a fix is often worse than no fix at all. …
Seeking the help of moving companies can prove to be really beneficial as they take away all your worries and stress of arranging for transportation, laborers and at times packing material as well but along with that they also take away a huge amount of money. There are some people who are just ready to pay anything but unfortunately this is not the right way to go about it as not everyone can bear such huge expenses.
Here we have tried to provide you little information about the types of moving Companies NJ services available that can help you to decide which kind of services you want to procure in order to keep your expenses as minimal as possible.
Type of moving services available:
Hourly rate movers:
This can prove to be really expensive if you are going for a long distance move. Many companies charge an hourly basis and such services are recommended by only those people who are planning to shift across the street only and need help just load, unload or transport the personal belongings. For someone who is planning to move a few extra kilometers, these services are just not recommended. Also, the kind of legal documentation and licenses required by such service providers are similar to that of any other moving company. From insurance to police verification of employees everything needs to be done for such companies, hence the expense of all these documentations is often added in that of customer’s fees making the same little high for long distance movements.
Flat rate moving companies:
The obligations to run such services is pretty much the same as compared to hourly rate movers, the only difference is the price they ask for. Such companies do not charge on a time basis, rather they charge the price according to the distance and the load of belongings that needs to be transported. This is one of the most common ways of charging, and also it is much affordable especially for people going for a long-distance movement. However, make sure not to go for an unlicensed or uninsured company as you are going to leave your possessions with these people for a long time, and to avert any type of risk or damage to your belongings such documentation is important.
Do it yourself:
The cheapest way to move is to do everything yourself, from packing to loading and then unloading to unpacking. However, this can prove to be a laborious way of doing things but it will surely save a lot of money. All you need to do is to rent a truck or borrow the same from any of y our friend. You can also ask help from your friends and family, if not you can hire laborers for the same and can get your job done at the lowest prices. However, the only risk here is that while transportation nothing is insured and in case of any damage or accident you may need to …