Contributed by Melanie Vannuys
Whether you live in New York or Alaska, if you are attempting to find a debt consolidation company, you do not have to use one that is in the realms of your state. There are several national companies that will help you no matter where you live.
However, given the recent investigation into these "credit helpers," if you decide that you need the services of a debt consolidation company, it may be in your best interest to use one at least in your own state if not in your own backyard.
Regardless of where you find your debt consolidation company, it is important to do your homework before signing anything with them. Make sure they are reputable, free with their information, don't require money up front before services are rendered and don't tell you not to contact the credit bureaus directly. If after answering those questions you feel comfortable with the company - then you should be alright.
Just like we stated above, the options are various for you no matter what state you live in. Most states have government agencies that can assist you - and most are usually non-profit which means their fees should be lower than the for-profit companies, depending on the amount of debt you're trying to get rid of.