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  2. Credit counseling: What to know before signing up - AOL

    www.aol.com/finance/credit-counseling-know...

    Before appointing a credit counselor, vet the agency to make sure you’re dealing with an accredited firm staffed by certified credit counselors. Shop around to find the credit counselor fit for ...

  3. Best credit counseling services - AOL

    www.aol.com/finance/best-credit-counseling...

    Cambridge Credit Counseling was established in 1996 and offers a free initial consultation, a wide variety of services and financial literacy tools. Cambridge Credit Counseling offers services ...

  4. Debt relief: Pros and cons - AOL

    www.aol.com/finance/debt-relief-pros-cons...

    If you work with a credit counselor to create a debt management plan, ensure it’s with a non-profit counseling agency. You can consolidate debt through a 0 percent APR credit card or a debt ...

  5. National Foundation for Credit Counseling - Wikipedia

    en.wikipedia.org/wiki/National_Foundation_for...

    The National Foundation for Credit Counseling (NFCC), founded in 1951, is the largest and longest-serving nonprofit financial counseling organization in the United States. NFCC member agencies provide access to financial counseling services for consumers.

  6. Credit counseling - Wikipedia

    en.wikipedia.org/wiki/Credit_counseling

    In order to initiate a DMP, a consumer would authorize the credit counselor to contact each of the consumer’s unsecured creditors and negotiate with each creditor to lower the consumer’s monthly payment amount, to lower the interest rate, and to waive any outstanding late fees. The debt was then ‘‘consolidated’’ into a single ...

  7. New Jersey Division of Consumer Affairs - Wikipedia

    en.wikipedia.org/wiki/New_Jersey_Division_of...

    The New Jersey Division of Consumer Affairs (DCA) is a governmental agency in the U.S. state of New Jersey that is responsible for protecting the public "from fraud, deceit and misrepresentation in the sale of goods and services." The DCA operates within the New Jersey Department of Law and Public Safety in the office of the New Jersey Attorney ...

  8. Alternatives to debt relief - AOL

    www.aol.com/finance/alternatives-debt-relief...

    Credit counseling comes in the form of both for- and nonprofit agencies. If possible, avoid turning to a for-profit credit counseling company first, as these are basically another form of debt ...

  9. California Department of Consumer Affairs - Wikipedia

    en.wikipedia.org/wiki/California_Department_of...

    DCA provides the public with live telephone assistance in more than 170 languages for consumer-related questions and concerns. The department publishes a number of publications on consumer-related issues, the most popular being the California Tenants Guide. Publications are free to the public and are made available on the department's website.

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