Effective Debt Management Programs – Derive the True Benefits

Many organizations which offer debt management programs are actually deceiving borrowers by engaging in fraudulent practices. This is something that the Federal Trade Commission (FTC), America's leading consumer protection institution, has discovered. Many of these firms do not employ certified debt counselors who are trained in issues related to consumer credit, debt or finance management or budgeting even when they had advertized that they offer credit counseling facilities.

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