Credit Counseling

You can't drive down the street, turn on the radio or TV without hearing someone say call us and we will cut your credit card debt in half or cut your payments in half or some similar drivel. The problem with almost every single one of these companies is they are scamsters.  Basically you end up paying them a fee and rarely do they help you.  In my opinion, IF you need credit counseling or assistance with budgeting your current bills, there is only one legitimate place to go.  You should contact NFCC.org and they will refer you to a free or low cost counselor in your area.