Seek credit counseling
Maybe you've tried everything, but still can't pay your bills on time. It may be time to speak to a professional credit counselor.
Consumer credit counseling calls and sessions are confidential. A credit counselor can help you deal with various concerns:
- Financial responsibilities
- Creditor calls
- Pending consumer legal action against you
- Purchasing a home
- Bankruptcy
- Repairing and rebuilding your credit
- Reading credit reports
- Getting back on the road to financial success.
Credit and debt counseling agencies are independent, nonprofit, community-service agencies whose services are available to all members of the community. They don't work for a collection agency, bank, creditor, or US Marshall's office. Those that are members of national organizations, such as the Association of Independent Consumer Credit Counseling Agencies (AICCCA) or the National Foundation for Credit Counseling (NFCC) have strict standards to protect your interests. Many states license these agencies for your protection.
To contact a credit and debt counseling agency, look in the yellow pages under "Credit and Debt Counseling" or contact the AICCA or NFCC. Be sure you choose a nonprofit organization.