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12, with a total payback amount of 2,269.
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Check the Better Business Bureau, the local consumer protection agency, and with the National Foundation for Credit Counseling about the legitimacy of a list of potential counseling agencies. These organizations can identify any that have had consumer complaints. However, not having a complaint is no guarantee that they are legitimate. If you decide to use credit counseling services, read the contract agreement before you sign. The contract should disclose fee or contribution amounts; a description of services; an estimated payoff schedule; termination provisions; and, the dispute resolution process.
The desire for financial freedom is something many people share. If you decide to work with a consumer credit counseling agency, make sure their goals match yours and you are not tied to a scam that can put you into a bigger financial hole. Whenever you sign a short term loan agreement, you agree upon a payment schedule.