Credit Counseling

You may want to contact a credit counseling service if you can't resolve credit problems yourself or you think need additional help There are non-profit organizations in every state that counsel consumers in debt. These counseling services are offered at little or no cost to consumers. Counselors try to negotiate with creditors to arrange repayment plans that are acceptable to you and your creditors. They also can help you plan and set up a realistic budget. You can find the office nearest you by checking the white pages of your local telephone directory.

Non-profit credit counseling programs are sometimes operated by colleges & universities, credit unions, military bases, and housing authorities. The fees are usually nominal or free for the services offered. You can also check with your local banking institution or consumer protection office to see if it has a list of reputable, low cost financial counseling services.