Debt - it doesn't take much to get in over your head. The question is, what should you do when the bills keep piling up and you need help? The answer may be a consumer credit counseling agency.
Consumer credit counseling agencies help people get their finances under control. They work as a mediator between you and the people you owe. The goal of the agency is to reach a debt-payment plan you can handle before unpleasant legal or collection action is taken. In some states these services are free, but some areas require a fee, which is generally reasonable.
The National Foundation for Credit Counseling (NFCC) advises that if you have been unable to resolve your finances on your own, consider working with an NFCC certified credit counselor. A reliable and reputable counselor will work with you to create a plan you can live with, one that helps you budget your money and repay your debt. To contact an NFCC member agency near you, call (800) 388-2227, or log onto www.nfcc.org.