No. of Recommendations: 3
Avoid them at all costs.

You can find all the help you need right here.

You can certainly find a lot of help here, but this is a little to short a response. There are some bad consumer credit counseling services out there. They are for-profit, and tend to be as expensive as the hole you already dug yourself into. But there are also some genuine services out there, who have relationships with many credit card companies and other debt holders and can really help you negotiate down your debt levels and arrange an affordable payment schedule.

Clark Howard, a nationally syndicated consumer advocate has a lot of advice on his web site ( and recommends a Consumer Credit Counseling service from this site:

National Foundation for Consumer Credit Counseling
8611 2nd Avenue
Suite 100
Silver Springs, MD 20910
(303) 589-5600
Print the post  


UGC Disclosure Notice Regarding Credit Card Posts
Community board discussions about credit cards are not provided or commissioned by banks who may have advertising relationships with The Motley Fool. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
TMF Credit Center
The Motley Fool Credit Center arms you with real tools and simple messages, that will help you in every credit situation.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.