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Q: How can I find a good credit counselor?
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How to Find a Reputable Credit Counselor

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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Personal Loans Frequently Asked Questions

What is a payday loan?

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I thought debt was bad. Why should I build credit?

How can I find a good credit counselor?

What is a debt management plan?

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How can I make sure my debt management plan works?

What do I do if my bills aren't getting paid?

Should I use the equity in my home to consolidate debt?

What alternatives are there to home equity debt consolidation loans?

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Where can learn how to manage my money better?

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How do I set up a budget?

How often should I pay my bills?

What's the best way to pay off my bills?

How can I pay off bills more quickly?

What is a "smallest first" debt payment plan?

What is a push payment debt payment plan?

Should I transfer my high interest debt to a lower interest credit card?

Should I consolidate my high interest debt by taking out a home equity line of credit?

What's the best way to pay off high interest credit cards?

What is a short-term personal loan?

Do traditional banks offer short-term personal loans?

What are the benefits of a short-term personal loan?

What are the drawbacks of a short-term personal loan?

What are the alternatives to a short-term loan?

What should I consider before I take a personal loan?

Should I take out a larger amount than I need at the moment?

How do I know if I'm getting a fair interest rate on my loan?

Are there minimum amounts I can borrow on a short-term basis?

What is a short-term bridge loan?

What is a guaranteed loan?

What is a co-signer?

Should I take a loan that requires I get a co-signer?

Should I co-sign a loan for my friend?

Are there steps I can take to protect myself as a co-signer?

Can I get my name taken off a loan after the fact?

Should I put my car up as collateral?

Should I get a guaranteed online loan?

Where can I find information on building, maintaining, or repairing my credit?

Should I take a loan or use my credit card?

Why was Check 21 necessary?

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What are my responsibilities under Check 21?

What are my bank's responsibilities under Check 21?

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How does check processing work under Check 21?

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Can I get bank fees back that were charged in error?

Where can I find more information on Check 21?

What is a late fee?

Why did my interest rate go up?

Why did my interest rate go up on my other credit card?

Why did I get a late fee when I paid on time?

How can I avoid late fees when paying by mail?

How can I avoid late payment fees when paying electronically or by phone?

Can a credit counselor get my credit card company to stop charging me late fees?

Can I get a different due date to avoid late fees?

What should I do if I know I can't make my payment on time?

How can I manage my money better to avoid late fees?

Why do I overspend?

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How will I pay for my kids' college and retirement?

Where does all my money go?

How can I make better spending decisions?

Am I a compulsive spender?

Where can I get help for my compulsive spending?

What is a debt relief plan?

Will setting up a debt management plan affect my credit?

What are my debt relief options?

Should I consider bankruptcy?

What happens if I declare bankruptcy?

Can I get credit in the future if I declare bankruptcy?

Will all my debts be wiped clean if I file bankruptcy?

Should I transfer my credit card balance?

How do I get my creditors to leave me alone?

Can I negotiate my own debt relief plan with creditors?



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