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Author: aoeuid One star, 50 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 308722  
Subject: Re: Bankrupt or try to 'gut it out'? Date: 10/30/2012 10:20 PM
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Fuskie wrote:

Through the NFCC, a local Consumer Credit Counseling Service will sit down with BOTH of you for free and help you analyze your income and expenses and explore your options. They can help you identify ways to cut your expenses and boost your income, and they can often contact your creditors on your behalf and help you enter into a legitimate debt repayment plan (not one of the rip-off debt consolidation services).

aoeuid - I went to the website, looked up my state, and it is not free. Whats up? Below is a direct copy and paste and I will provide the link at the end:



CCCS of Topeka (A Division of Housing and Credit Counseling, Inc.)
323 Poyntz, Ste 101
Manhattan, KS 66502
Appointment #: (800) 383-0217

Services offered by CCCS of Topeka (A Division of Housing and Credit Counseling, Inc.):

In Person In Person Counseling
Hours: M-F/8:00am-5:00pm
Counseling Fees DMP Fees Setup Fees
$45 $20 maximum per month $5

Phone Counseling Phone Counseling
Hours: M-F/8:00am-5:00pm
Counseling Fees DMP Fees Setup Fees
$45 $20 maximum per month $5

Housing - Pre-Purchase Counseling Housing - Pre-Purchase Counseling
Hours: M-F/8:00am-5:00pm
Counseling Fees DMP Fees Setup Fees
$0.00 $0.00 $0.00

Housing - Delinquency Counseling Housing - Delinquency Counseling
Hours: M-F/8:00am-5:00pm
Counseling Fees DMP Fees Setup Fees
$0.00 $0.00 $0.00

Reverse Mortgage Counseling Reverse Mortgage Counseling
Hours: M-F/8:00am-5:00pm
Counseling Fees DMP Fees Setup Fees
$125 $0.00 $0.00

Rental Counseling Rental Counseling
Hours: M-F/8:00am-5:00pm
Counseling Fees DMP Fees Setup Fees
$0.00 $0.00 $0.00

Rental Counseling Pre-Filing Counseling
Hours: M-F/8:00am-5:00pm
Counseling Fees
$45

Rental Counseling Pre-Discharge Education
Hours: M-F/8:00am-5:00pm
Education Fees
$75
This agency offers some free public education.

https://www.nfcc.org/firststep/compinfo.cfm?location=10785&a...
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