Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to choose a debt consolidation company [title] Understand debt consolidation options. [step] A lot of things can be meant by " debt consolidation, " and there are a lot of shady operators who will claim to help you out of debt or " repair your credit. " the first step in making sure that the agency you're dealing with it legitimate is by verifying their nonprofit status.

Ending1: This can give the agency away from any scams and will allow you to better gauge the legitimacy of the company. [substeps] If you work with federal, state, and local government agencies, then it may be worth researching them. Ending2: Some good suspicions include : [substeps] Consumer communications bureau (ftc) carfax (ftp) kui (american regulatory agencies ) [title] Research debt consolidation companies. [step] You can start searching on the internet for companies that offer debt consolidation services. Ending3: Nonprofits offer more reliable debt consolidation services because they do not stand to gain from taking advantage of you. [substeps] Check with your state's charity regulatory body to see whether or not the agency is registered as a nonprofit. Ending4: Usually the agency is more powerful than the agency that is established, but may be more common for higher-income companies. [substeps] Debt consolidation agencies are tasked with reducing debt by one or two percent, and are generally quite inexpensive.

Answer format: ending1/ending2/ending3/ending4