In this day and age hundreds of thousands of consumers are struggling with credit card debt, with the average 卡牌輔導 household holding around $14k and with the US’s total credit card debt at around $790 billion the career outlook for professionals that help consumers with debt is looking pretty good. A credit counselor’s main duties are to help consumers who are struggling with credit card debt and to successfully set them up with a game plan that will get them out of the hole in a set amount of time.
However, they mostly lack the experience of project management. Most have worked on small projects, and may not have been in a Project Manager position for a significant amount of time. I have written previously about the eligibility criteria for the PMP Exam.
So, when it comes to preparing for the PMP Exam, you need to have a plan that is specific, practical, time-bound and achievable. Without a good game plan, you may simply be overwhelmed by the sheer amount of work, or just run out of steam mid-way.. Practitioners may have valid reasons for not seeking certification because they may consider the available credentials as not credible, unnecessary, a gimmick,
or fraudulent. Sometimes, particular certifications become very popular within an industry. If this is the case for a certification program you are considering, it would be worthwhile to find out why. Often certifications become popular only because they are easy to obtain, the selling point being that any paper credential will give you an “edge” over the competition. But impressive looking credentials granted by official sounding organizations can only go so far regardless of the ribbons, buzz words, signatures, and other trappings used to make them appear legitimate. Also, the vast majority of experienced practitioners and employers won’t be fooled by appearances and are sure to investigate any unfamiliar credentials they come across. In any case, because of all the the variables, it’s critically important to research all the available certifications in your field of interest and to discuss your findings with professionals in that field.
Certifications can be valid indicators of expertise or money making schemes. As long as people are fooled by “official looking” credentials, the fraudulent certification industry will continue to thrive and prosper. At the moment, the certification industry is largely unregulated. However, if and when the safety and interests of the general public, of employers, or of customers are perceived as threatened by practitioners with questionable credentials, regulation or licensing will be the necessary response as it was for medicine, law, engineering, education, and other professional fields. In fact, because of the proliferation of credentialing programs, society and businesses are already becoming more skeptical and selective about certification credentials, and this trend is likely to continue.
Most professional fields have multiple certification program offerings from industry vendors, professional organizations, and private companies. For obvious reasons, all of these certification granting organizations will try to project an image of professionalism and integrity, regardless of whether it actually applies or not. It’s up to each individual to look beyond appearances and sales pitches for the best available options. At the very least, performing some basic research before using a credit card will help ensure that you won’t end up with a totally useless credential that primarily benefits the fraudsters.
A lot of people that actually seek out credit counseling are so deep in debt that they are failing to even meet their minimum payments, and their debt has become unmanageable to the point that they even may be considering filing bankruptcy. At the same time, there are many consumers that are seeking credit counseling with a small amount of debt but are looking to be pro-active in reducing their financial obligations so they can get on pace toward financial freedom.
Some other duties that a credit counselor might be expected to perform is analyzing a person’s expenses and income and setting up a successful budget. Having some background in personal finance would be an immense help, so this should be second nature to a financial planner or someone with a similar professional background. Another duty that a credit counselors will be expected to perform is to negotiating with creditors and credit card companies better terms on behalf of their clients. One of the main focuses that a credit counseling companies advertise constantly is that they will be able to successfully negotiate lower interest rates and will be able to reduce debt on behalf of their clients, sometimes to the tune of cutting their debt by 50%. In reality your debt would most likely be cut by 20% but for the most part a consumer is going to be in better shape than when they were before they started.
Another skill set that a credit counselor is expected to have is being a great educator, due to the fact that credit counseling is really just educating a consumer on how to get out of debt, avoid debt, and prevent from getting in debt again after successfully getting out of debt. The core of any credit counseling program is spreading financial literacy and helping consumers avoid bankruptcy, so anybody who is considering going through the credit counseling certification process should feel very comfortable teaching clients on the dangers of debt and how avoid i