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2. 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 ...

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

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

   Key takeaways. Credit counseling is a way to help those overwhelmed by debt or unable to manage their expenses. In credit counseling, you’ll work with a credit counselor to review your finances ...

4. 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 ...

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 ...