Are Credit Counseling Services Really a Scam or Do They Help People in Debt? | Ask Ralph Podcast

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. dives deep into the world of credit counseling services. Are they a legitimate way to get out of debt, or are they just another scam preying on vulnerable people? Ralph separates fact from fiction, explains how to identify reputable services, and shares real-life stories of both success and failure. He also provides actionable steps to help you make informed decisions about your financial well-being.

https://www.askralphpodcast.com/credit-counseling-services/

00:00 Episode Overview
01:08 Bible Verse
02:15 What Are Credit Counseling Services?
02:54 Difference Between Non-Profit and For-Profit Services
03:39 Common Scams to Watch Out For
04:23 Real-Life Success and Failure Stories
05:40 Actionable Steps for Choosing a Credit Counseling Service
07:11 Recap and Closing
08:42 Outro