Since you're aware that a credit counseling service is going to be getting a commission for their services, it's best that you get a monthly statement clearly showing the plan you're under, the amount you paid, the dates you've made payments and the amounts sent to each of your creditors. You want to be sure that your debts have been paid, so be sure that the credit counseling service is willing to share that information with you. Remember a reputable credit counseling service is going to help you develop a budget so expect them to discuss your financial situation with you. Once they understand your situation, they'll help you by developing a personalized plan. Another important point to look for with a credit counseling service is that they should be willing to give you some free information about their services without you providing any details about your particular situation. If they refuse, go elsewhere. These are your finances we're talking, so do some background checks to be sure you choose the best credit counselor for your needs.