The Value of a Debt Management Plan and a Good Credit Counselor

Whenever I mention what I do for a living at any type of social gathering, I am bombarded with questions. For the past two years, I have been working as a Certified Credit counselor. In my experience, I have noticed many people are too afraid or embarrassed to seek help. They are often afraid that I am going to judge them, or even yell at them for getting into debt. The truth is a bad financial situation can happen to anyone including a Certified Credit Counselor. Also, something that may shock people even more; yes I too, have a fair amount of debt. I wasn't born a credit counselor, but at least I know how to take control of the situation now that I am one. I also look forward to sharing that knowledge so I can help others.

Recently, I found myself in a situation that warranted credit counseling. My husband got laid off from his job in San Diego, and he was out of work for almost a year. We made the difficult decision to move in with family in Florida. Luckily, my husband quickly found a good job with Palm Beach County. I was not so lucky. My husband and I had traded places and now I was jobless. I thought with my qualifications it would be no problem getting a job, but no one responded to my resume. I even had my resume professionally written and still had no luck.

It was September and my unemployment was going to run out in the beginning of October. I very was depressed and homesick. Fortunately, just when I was about to give up, I decided to get aggressive in my job search. I picked up the phone and started making calls. Just when I was about to lose hope, I landed a job at a Non-profit Credit Counseling agency, Credit Card Management Services in West Palm Beach. (A side note, is that when it comes to job searching, you have to be assertive, if you ever find yourself in a similar situation.)