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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...

   Credit counseling services can either come from nonprofit organizations or for-profit companies. If you’re feeling the pinch in your budget from debt payments, you join millions of other ...

4. National Foundation for Credit Counseling - Wikipedia

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

   NFCC member agencies provide financial reviews and education to more than a million consumers each year in person, over the phone, or online. Every NFCC member agency client receives comprehensive money management services based on their individual needs. NFCC member agencies provide a variety of services including: Credit/Debt Counseling

5. Credit counseling - Wikipedia

   en.wikipedia.org/wiki/Credit_counseling

   Credit counseling is most often done by Credit counseling agencies that are empowered by contract to act on behalf of the debtor to negotiate with creditors to resolve debt that is beyond a debtor's ability to pay. Some of the agencies are non-profits that charge at no or non-fee rates, while others can be for-profit and include high fees.

6. How to tell if debt settlement is a good idea for you - AOL

   www.aol.com/finance/tell-debt-settlement-good...

   Credit counseling services offer financial education, budgeting assistance and debt management plans to help you repay debts in full over time. Debt management plans may span three to five years.

7. A comprehensive guide to debt relief programs - AOL

   www.aol.com/finance/debt-relief-guide-know...

   While credit counseling agencies are nonprofit, a fee could be attached to each monthly payment you make. Pros of debt management programs You obtain a personalized roadmap to help better manage ...

8. Bankruptcy Abuse Prevention and Consumer Protection Act

   en.wikipedia.org/wiki/Bankruptcy_Abuse...

   Section 109(h) provides that a debtor will no longer be eligible to file under either chapter 7 or chapter 13 unless within 180 days prior to filing the debtor received an "individual or group briefing" from a nonprofit budget and credit counseling agency approved by the United States trustee or bankruptcy administrator.

9. How to get debt relief - AOL

   www.aol.com/finance/where-debt-relief-help...

   Credit counseling agencies can help you get out of debt through a debt management plan and provide you with the necessary tools to understand how to better manage your finances in the future. 4 ...