Considering that you are assisted by a debt counselor in repaying your debts, it is important that your regularly check with your counselor and your creditors about the payment and the implementation of the discounted rates on your loan. The debt Counselors provide debt solutions by collecting monthly payment from you and paying it to your creditors every month on a negotiated rate which is normally lesser than what you had to pay otherwise.

Things you should always remember before you begin using the debt management program include, do not stop paying the bills, while the negotiation between your creditor and the debt counselor is still on. Continue to pay your bills according to the scheduled calendar to avoid late fees or negative billing.

Once the plan has been accepted by your creditor, contact them and confirm it for yourself before you start sending the loan amount to your debt solution team, i.e. the debt counselor.

Now that you are already using an effective debt solution program and are also paying your bills to the debt management team on time, make sure that they too are paying your bill to your creditors before the due date of your bill. This is necessary to avoid tendering late fees on your bills due to the negligence of your debt solutions counselor.

Ask for monthly statements from both the counselor and the creditor to keep track of the amount that is being credited on your bills. Reviewing these bills will also help you find out how successfully or unsuccessfully your Debt Solution plan is going.

In most situations the debt counselors negotiate with the creditors to waive your late fine, or reduce your interest rate etc. So make sure that these negotiations are being followed and you are not still being charged for them.