Credit Counseling

Are you frustrated because you can't pay your bills, including credit card bills, on time? Do you fear going deeper into debt? You can get help from a professional credit counselor.

A good credit counselor can help you deal with:

  • Getting on top of your financial responsibilities
  • Creditor demands
  • Pending lawsuits against you
  • Bankruptcy
  • Repairing and rebuilding your credit
  • Getting back on the road to financial success


Credit counseling agencies that are members of a national organization, such as the Association of Independent Consumer Credit Counseling Agencies (AICCCA) or the National Foundation for Credit Counseling (NFCC), are independent, nonprofit, community-based organizations. Many states license these agencies for your protection, and anything you tell one of their counselors is confidential.

To contact an accredited credit counseling agency, contact the AICCCA or NFCC for one near you.

Not all agencies you find in the yellow pages or online may meet the standards these national organizations set for the ones that are affiliated with them.
Avoid working with people who claim they can fix your credit problems for a fee without your having to change the way you're spending. It won't work.