If your debt is continuously spiralling out of control, you may need to put yourself through an intervention to get things back on track. For many people, the idea of formulating a debt reduction plan all by themselves is slightly daunting, and therefore for these people we often recommend a debt counselling service. Essentially, debt counseling is a service offered by a number of companies, which is aimed at people with little financial knowledge – or a very dire financial situation. Either way, these people are in need of professional financial help and this is exactly what the counselling service does. Another case where such a service might be useful is in the cases of bankruptcy. Usually, in most states, if someone is declared bankrupt, they will be required to undergo debt counselling to ensure that the do not fall back in to the same habits that they once had. This prevents them from being put in the same situation that caused their bankruptcy. Getting High Quality Counseling There are a number of companies offering services such as debt counseling out there on the internet. Obviously, there are even more debt planners and land based debt counselling services. Ultimately, if your debt counselling is to be productive, you need to ensure that the services are of a top quality, and a professional standard. This is required in order for them to be effective for you. A few examples of the companies offering debt counseling services are: CuraDebt Care One Credit When it comes to quality online debt counselling, these are the two that we definitely recommend. With CuraDebt, consumers can count on the knowledge that the firm has been in the debt planning industry since 1996, and with that, they are one of the most experienced online debt reduction firms. Additionally, Care One Credit is a long standing and reputable online debt counselling service, used by people who have large amounts of unpaid debt. It is recommended that if you have $10,000 or more worth of outstanding debt, you contact Care One Credit to get your financial life back on track as quickly as possible. If you are forced to see a debt counsellor due to bankruptcy or legal matter, you may not be able to choose who your debt counselling provider is. This is why we believe that preventative measures are by far the best option when it comes to dealing with debt issues. No Such Thing as Non-Profit Let’s face it – debt counseling is a profitable business. At the end of the day, debt counsellors are highly trained and educated, and will probably charge the business quite a bit (in a salary) for their services. Thankfully however, this doesn’t always mean that you will be paying high prices for the services offered. If you choose an internet based counselling service like the ones we mentioned above, you will be charged a very reasonable amount – and this cost will be built in to your financial plan. If you do see a company which is in this industry and also advertising itself as being not for profit, you should immediately leave the page, because more likely than not this program is a scam.