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

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

   Remember to search the databases from the National Foundation for Credit Counseling and the Financial Counseling Association of America for more information about counselors in your area.

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. 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.