When trying to climb out of debt, work with legitimate agencies that will work with you to help you address the issue, including the following agencies:
National Foundation for Credit Counseling (NFCC). In addition to the main website, you might want to explore www.debtadvice.org, which offers a wealth of information on budgeting and the smart use of credit. The MyMoneyCheckUp tool will help you assess your debt, and to decide if you need help digging out.
Contact: 800-388-2227. www.nfcc.org
Association of Independent Consumer Credit Counseling Agencies (AICCCA). The AICCCA represents the common interests of member agencies to ensure that all who seek help with their debt problems receive the highest quality of assistance.
Contact: 866-703-8787. www.aiccca.org
Council of Better Business Bureaus. Check with the Better Business Bureau (BBB) and with your state Attorney General’s Office (below) to see if any complaints have been lodged against any credit counseling enterprise you approach.
Contact: 703-276.0100. www.bbb.org
National Association of Attorneys General. Visit the website (below) and click on the colorful map of the United States to find your home state’s office of the Attorney General.)