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A debt advisor, is also know as a debt counselor, and they advise clients, giving them support in dealing with financial problems. These areas can include student loan payments, rent or mortgage arrears, credit card, and other types of debts.
A adviser will work with their clients, helping you make a personal budget and legally get out of debt. They give advice and help clients learn better money management skills. When you are looking for an adviser there are a few things that you need to keep in mind when making your selection.
Get a Referral
Get a referral from someone you trust. You want the person to be knowledgeable and experienced. Ask questions about the adviser's style, abilities and skills.
Ask about their fee structure and customer service. Ask for personal perceptions and experiences with the advisor.
Do Some Research
You can do some of your own research on debt advisers. Some sites, such as FinancialAdvisors.shopped up.com, MyFinancialAdvice.com and WiserAdvisor.com offer some great information and listings.
Other resources for getting advice include the Financial Planning Association, the National Association of Personal Financial Advisers and the Certified Financial Planner Board of Standards, Inc.
Be Prepared for Your First Meeting
Gather your bills, bank statements, the previous year's tax returns and insurance information. Jot down some questions that you want to ask as well as your financial goals. You want to bring all of these items with you on your first meeting with the financial adviser.
Let the First Meeting be an Interview
When you sit down that first time with the financial advisor, you should treat it like an interview. Ask questions such as how long they have been a financial adviser, their educational background, licenses, credentials and certifications that they have.
Ask them what they feel makes them a good financial advisor. Ask about any disciplinary action that they may have experienced by NASD or other regulatory agencies throughout the course of their career.
Other things to ask:
Check out Your Adviser
It is a good idea to check out your advisor's background. You can research an advisor by going through the National Association of Securities Dealers (NASD). They have information regarding educational background and work history as well as any complaints that have been filed against them.
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