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Counseling services are available to help people budget money and pay bills. Credit unions, Cooperative Extension offices, military family service centers and religious organizations are among those that may offer free or low-cost credit counseling.
Local, nonprofit agencies that provide educational programs on money management and help in developing debt payment plans operate under the name Consumer Credit Counseling Service (CCCS). They are members of the National Foundation for Credit Counseling (NFCC).
Debt Management AssistanceSeveral national nonprofit organizations also provide information and assist people with debt problems
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Typically, a counseling service will negotiate lower payments with your creditors, then make the payments using money you send to it each month. The cost of setting up this debt-management plan is paid by the creditor, not you. Ask these questions to find the best counselor for you:
Check with your local consumer protection agency and the Better Business Bureau to see if any complaints have been filed about the counseling service you're considering.
If you have concerns about approved credit counseling agencies or credit counseling providers, please contact the U.S. Trustee Program .
Page Last Reviewed or Updated: October 12, 2012