Consumer debt, or debt that includes credit card debt but not mortgage debt, is increasing twice as fast as personal income according to recent reports. If you are one of the millions of Americans drowning in credit card debt, you may be looking for a debt management solution. Fortunately, there are reputable credit counseling organizations throughout the country, many of which offer debt management solutions in person or via their Web sites. The problem is, there are just as many disreputable—some even downright fraudulent—credit counseling and debt management businesses online. Don't take debt management tips from just anyone. How can you find a qualified credit counselor? The National Foundation for Credit Counseling is a nonprofit professional organization of certified credit counseling agencies. You can visit the NFCC's Web site, plug in your zip code, and get a list of certified credit counselors in your area guaranteed not to be scam artists.

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