Don't Get Scammed - Choose Your Credit Agency Wisely

Scams are everywhere and a fast growing problem in the current recession is a con scheme involving the impersonation of debt consolidation, negotiation, and elimination agency. Such plans represent a last hope for many people to get out of debt; they are effective and time proven to help you get out of debt. And thanks to the rising levels of unemployment (over 10% in some states) more people are using them than ever before, and some of them have fallen victim to the scammers.

If you are in a situation where you are looking at these debt plans in order to free yourself from debt, here are a few tips/methods for spotting which are legitimate agencies and which ones are scams.

Talk To A Credit Counseling Agency:

Credit Counseling Agency's exist to help people in debt figure out the financial options that are best for them. Agencies base it on peoples specific problems and resources. They are often non-profit agencies, and their services are either free or provided when you pay a small fee ($75 is average). Different agencies can offer different services (such as reverse mortgages, debt consolidation plans, and more) which means that it is important to figure out which agency will be able to help you the most.

If you are in a situation where you are looking at debt plans and credit agencies in order to free yourself from debt, here are a few general tips/methods for figuring which are legitimate and which ones are scams.

• If you are working with a lawyer or a paralegal concerning your debt, ask if they can refer a debt help agency. Most will either have lists containing reliable and certified credit agencies on hand or they will be able to find one for you fairly quickly.
• States usually require credit agencies to be accredited and to have certified counselors in order to operate within specific states. Always ask an agency if this is true for them - while not all agencies have certified counselors the best ones usually do. Agencies with counselors who are certified by an outside group (one that you can research for yourself) often have websites and phone lines that you can research and call.
• Understand what you are getting yourself into. If you feel confused at any point during your conversation with the agency, always ask them to go over the information again. Most agencies will be happy to do so and will give you as much time as you need to figure out the options being offered to you. However, agencies that offer their counselors a commission for each customer gained are less likely to do this than companies who offer their counselors a flat rate.
• Make sure that you have been walked through the agencies entire privacy agreement. If an agency refuses to do so, or you do not feel that their privacy agreement is tough enough, then don't use that agency! Your financial information has to be protected, and if one agency can't do it then another one can.
• Get things down in writing. Most legitimate credit agencies will offer written contracts, certificates, or other legally binding agreements. These written promises are in place to protect you; they often contain the name of the counselor who helped you and the entire agreement in physical writing. Make sure that you read through the agreement and that the writing is straightforward and simple. If it isn't or you find yourself confused by something on it, call the agency back and ask them to go over it with you. You can often get written agreements emailed to you by the agency in question.
• Check for them with your states Better Business Bureau (BBB). If they are legitimate, then the BBB will be able to tell you how helpful they are and whether or not the BBB has received complaints about the agency.

Related Links:

New York Times Scam Article: Is a brief expose on scams targeting people who have been hit hard by the recession.
BBB1: Tips from the better business bureau on how to find a good credit counseling agency.
BBB2: An article detailing the difference between debt consolidation, debt negotiation and debt elimination plans.

The Top 12 Most Frequently Used Pantry Items (and what to do with them)

Learning the kitchen ropes for the first time? Gathering all ingredients, following the recipe, and avoiding a grease fire is all you can handle. And you seem to find recipes that require obscure necessities like capers and kalamata olives. What you need, newbie cook, is to stock your pantry with the most common ingredients and work within those parameters.



1. Cooking Oils
If you plan on making anything stovetop, oil is essential. You'll want to use virgin olive oil as much as possible--since it's a healthier option--but many things don't taste right cooked in olive oil. Keep some vegetable and peanut oil on hand to broaden your cooking options.

2. White Flour and Sugar
From baking to soup thickening, you'll need to have a bag of flour handy. If you need to brown a chicken breast, dip the chicken in egg then in flour before cooking stovetop. Far too many recipes call for flour, so don't venture into a cookbook without it. Sugar is used in much more than just desserts--keep a pound sealed in the pantry for a dash of sweet.

3. Cream of Soups
The cooking soups I use most often are cream of mushroom, cream of celery, and cream of chicken. Add these to tuna casseroles, pot roasts, and anything that needs a creamy punch. Purchase the low sodium/low fat varieties to cut back on the calories.

4. Apples and Oranges
These seem to last forever. Go for the mixed fruit bag that includes red apples, green apples, and oranges and you'll have a great selection of fruit that won't turn mushy soon after purchasing.

5. Noodles
Keep a bag of egg noodles (for stroganoff or casseroles) and some basic wheat spirals. Paired with some cooked ground beef and Prego sauce, you'll whip up a cheap tasty meal for pennies. I sometimes cook more noodles than I need for a recipe and use leftovers to make cold pasta and mini-tuna casseroles later in the week.

6. Breadcrumbs
From toppings to meat filler, a simple box of breadcrumbs goes the distance. Steer clear of the Italian seasoned variety--put your own oregano, basil, garlic, and parsley in to save money.

7. Spices
The seasonings I need most often are sea salt, garlic powder (or minced garlic, but not garlic salt), onion powder, parsley, basil, rosemary, thyme, oregano, Lowry's seasoned salt, chili powder, and crushed red pepper. On the sweet shelf you can always find vanilla extract, almond extract, nutmeg, honey, and cinnamon. I also combine baking soda, baking powder, and cream of tartar in with the sweets since you'll add them to baked goods.

8. Oatmeal
If you can acquire a taste for oatmeal, your pocketbook will be in good shape. A bowl of oatmeal make with milk and brown sugar costs just around $.40. Make oatmeal chocolate chip cookies and add oatmeal as a filler for meat loaf when you're in a pinch.

9. Chicken and Beef Broth
Buy several cans of both--you'll use more than you think for flavor across the cooking spectrum. If you need to save money buy bullion and make your own with boiling water. It only takes an additional 5 minutes to heat the water and add your own flavoring.

10. Canned Meats and Vegetables
The best tasting ones are chunk light tuna in water, chicken, green beans, all other beans, corn, and tomatoes (mainly for cooking). A good rule of thumb is only buy canned if you can find it frozen. Most of the frozen veggies are healthier and tastier, but some can't be beat in the can.

11. Quick Mixes
I like to keep a couple of mixes--Bisquick Heart Healthy, Betty Crocker white cake, Fiber One muffins--for the just in case scenario. When company comes over last minute it's nice to have something ready that doesn't take a huge effort to assemble.

12. Cold Necessities
Always keep eggs, milk, butter (the real thing, no transfat), and a block of cheddar cheese to keep your cooking options open. Check expiration dates--sometimes the organic products have a much longer shelf life. You may pay a bit more for the product but it can perch in your fridge for more time.

Source: Go Frugal Blog - Ashley Grimaldo is obsessed with finding free stuff, whether she needs it or not. She loves playing with words, crunching ice, and is convinced she missed her calling as a professional ice skater. In between changing diapers and pureeing baby food, Ashley is launching an official campaign to make maternity pants an apparel industry standard.