Reaching Out to Debt Counselling
Most all of us will eventually experience some financial woes in our lifetime
, with some requiring debt counselling. Many will run into a financial hardship at some point, but not all will be severe enough to turn to an outside source for help. The problem is that many who are experiencing major financial difficulties do not admit to their problems, and seek help early enough.
Concern about Stigma
Quite a few people with money issues are embarrassed and don't tell anyone about what they are experiencing. In our consumer society, that prides itself on large incomes and buying power, people think they will be judged negatively if others realise they are in debt or struggling with money. Beyond being worried about how to pay the bills month to month, this fear of being found out complicates the stress even more. People are afraid to even share their situation with family or friends, some of whom may be willing to lend a hand or offer advice. As a result, many friends and family are shocked to learn that they knew someone who was struggling so much.
Because of the stigma that has been attached to financial problems, a lot of times those suffering won't seek professional help either. They begin to feel a lot of distrust and worry that everyone is out to get them, especially once the collection calls and letters start coming in regularly. It is important that these debtors can recognise that debt counselling is available and a trusted resource to turn to in time of need. The counsellors at reputable firms are skilled, respectful, always professional and sympathetic, not judgmental. Their attitude is that they are there to help, not to scold.
How Will Counselling Help?
In order to gain the trust of someone deeply in debt, it is important that the debt counsellors show that they deserve the trust of the customers, by helping them to take some of the stress off. The best way to do this is by working and negotiating with the creditors to provide some relief to the indebted individual, agreeing to payback terms that the debtor can afford. Additionally, it is of great help for the counselling service to become the point of contact for all creditors, helping to relieve the worry of calls and threatening post daily.
Once some of the stress has been lifted off of the customer, an instant trust is built. An effective relationship can be developed from this point on, working together via debt counselling to allow the customer to once again enjoy reduced stress and monetary pressure.
Reaching Out to Debt Counselling
By: Chris Jenkinson
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