Not all credit counseling programs are created equal. Here's how to spot the warning signs before it's too late.

you may need to pay a fee to the agency consisting of a small percentage of any discharged debt. Unfortunately, not all companies that offer credit counseling services are reputable. When ...

Choosing a credit counseling service Choosing a ... several resources can help you identify an agency's accredited status. Most reputable credit counseling services are also nonprofit.