Each of the listed consumer credit counseling services offer free (or very reduced rate) counseling. You can select your state from the drop-down list below. If your city is not listed, contact the nearest counseling service office listed for your state and ask them to refer you to a free service in your area. The counseling is usually free for everyone. This is especially true if you have some type of hardship such as unemployement or illness.

If you want to set up a debt management program with them, there is usually a monthly fee of around $10 - $30. A debt management program consists of you paying the counseling service an amount equal to your debt payments and they distribute it to your creditors.

Many of the counseling services listed can conduct business over the internet. Check with the one you want to use to see if this service is available

Each of the debt and credit counseling services listed will try to get your debts lowered for you and will act as your agent with your creditors. They will be happy to assist you in any way they can. Many are funded by creditors as well as state and federal agencies.

Use the drop-down list of states below to select your state then click on the "GO" button for a list of consumer credit and debt counseling services in your area.