 TITLE: Tips for Choosing a Credit Counseling Agency CONTENT: Should I Use a Credit Counseling Service?\n-----------------------------------------\nUsing a credit counseling service isn't for everyone, but there are some telltale signs it could be helpful to you, especially if you:\n*   Regularly miss credit card payments\n*   Struggle to pay your mortgage\n*   Consistently pay credit cards late\n*   Make only the minimum payments on credit cards\n*   Are surprised by unforeseen bills or expenses\n*   Are receiving calls from collection agencies\n*   Have difficulty understanding your credit report\n*   Live paycheck to paycheck\n*   Feel overwhelmed by your debt\nBefore you find a credit counselor, it's essential to take a few minutes to consider your \"why\": Are you trying to find ways to improve your overall financial health? Did you just receive an unexpected debt collection notice? Are you trying to avoid accruing even more interest on your debt? Whatever your biggest needs are, jot them down so that you can make the best use of your time with a counselor. END