There are many non-profit organizations that are doing credit-debt
counseling services to help people who are struggling in financial
crisis. These companies don’t charge you money or only little
when compared to the for-profit companies.


Most reputable credit counselors are non-profit and offer services at local offices, online, or on the phone. If possible, find an organization that offers in-person counseling. Many universities, military bases, credit unions, housing authorities, and branches of the U.S. Cooperative Extension Service operate non-profit credit counseling programs. Your financial institution, local consumer protection agency, and friends and family also may be good sources of information and referrals. But be aware that “non-profit” status doesn’t guarantee that services are free, affordable, or even legitimate. In fact, some credit counseling organizations charge high fees, which they made hide; others might urge their clients to make "voluntary" contributions that can cause more debt.



Choosing a Credit Counseling Organization

Reputable credit counseling organizations can advise you on managing your money and debts, help you develop a budget, and offer free educational materials and workshops. Their counselors are certified and trained in consumer credit, money and debt management, and budgeting. They discuss your entire financial situation with you, and help you develop a personalized plan to deal with your money problems. An initial counseling session typically lasts an hour, with an offer of follow-up sessions, according to the FTC’s regulatory experts. A reputable credit counseling agency should send you free information about itself and the services it provides without requiring you to provide any details about your situation. If a firm doesn't do that, consider it a red flag and go elsewhere
for help. Once you've got a list of counseling agencies you might do business with, check each one out with your state Attorney General and local consumer protection agency. They can tell you if consumers have filed complaints about any one of them. (If there are no complaints about them, don't consider it a guarantee that they're legitimate.) The United States Trustee Program also keeps a list of credit counseling agencies approved to provide pre-bankruptcy counseling. After you've done your background investigation, you will want to interview the final "candidates."


Prepare a List of Questions Before Visiting Any Counselor in Any Country

What services do you offer? Look for an organization that offers a range of services, including budget counseling, and savings and debt management classes. Avoid organizations that push a debt management plan (DMP) as your only option before they spend a significant amount of time analyzing your financial situation.

Do you offer information? Are educational materials available for free? Avoid organizations that charge for information.
 In addition to helping me solve my immediate problem, will you help me develop a plan for avoiding problems in the future?
 What are your fees? Are there set-up and/or monthly fees? Get a specific price quote in writing.
 What if I can't afford to pay your fees or make contributions? If an organization won't help you because you can't afford to pay, look elsewhere for help.
 Will I have a formal written agreement or contract withyou? Don't sign anything without reading it first. Make sure all verbal promises are in writing.
 Are you licensed to offer your services in my state?


The US Federal Trade Commission created these questions to protect people in debt in the U.S. and all nations worldwide.

What are the qualifications of your counselors? Are they accredited or certified by an outside organization? If so, by whom? If not, how are they trained? Try to use an organization whose counselors are trained by a non-affiliated party.
• What assurance do I have that information about me (including my address, phone number, and financial information) will be kept confidential and secure?
• How are your employees paid? Are they paid more if I sign up for certain services, if I pay a fee, or if I contribute to your organization? If the answer is yes,consider it a red flag and go elsewhere for help.



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