Credit counseling services provide various resources to help solve your money problems. From starting a budget to educational programs on money management, counselors discuss your entire financial situation and help you develop a personalized plan.
Credit Counseling Service Locations
You can find free or low-cost credit counseling options at:
- Credit unions
- Extension offices
- Religious organizations
- Non-profit agencies
Make sure the credit counseling service you're using is accredited with either of these organizations:
Military Servicemembers
Under the provisions of the Servicemembers Civil Relief Act (SCRA), you may qualify for a reduced interest rate on mortgage payments or credit card debt, protection from eviction, or a delay of all civil court actions, such as bankruptcy, foreclosure, or divorce proceedings. To find out if you qualify, contact your local Armed Forces Legal Assistance office.
File a Complaint
- You can submit a debt collection complaint through the Consumer Financial Protection Bureau (CFPB).
- For concerns about approved credit counseling agencies, contact the Department of Justice's U.S. Trustee Program.
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