Credit:  Credit Counseling


  • Fiscal Fitness: Choosing a Credit Counselor (April 1999) -- Information about how to find and screen a credit counseling agency, and a list of questions to ask before you choose an agency to work with.
  • "The National Foundation for Credit Counseling (NFCC) is a network of hundreds of non-profit agencies that provide money management education, confidential budget, credit, and debt counseling, and debt repayment plans for both individuals and families.  The NFCC is supported by a wide-range of organizations, such as banks, consumer finance companies and credit unions and so can provide free services in many communities and for a very low cost in others."  Go to their website to find the local program closest to you or to identify the national agencies that can do telephone or internet counseling.
  • Money Management International is a non-profit credit counseling agency that provides counseling by phone 24 hours a day, seven days a week.   Their web site has good information and all services can be rendered over the phone (1-866-889-9347).  Monthly fees for the repayment program vary by state, so be sure to call and figure out what the program would cost you before you select this service.

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