The Federal Trade Commission has many publications to get you on the road to good credit and can also tell you your rights in dealing with collection agencies. Contact Public Reference, Room 130, Federal Trade Commission, Washington, DC 20580; 877-FTC-HELP; www.ftc.gov; Get free counseling by contacting one of these non-profits: National Foundation for Credit Counseling, 801 Roeder Rd., Suite 900, Silver Spring, MD 20910; 800-388-2227; www.nfcc.org; or Credit Counseling Center of America, P.O. Box 830489, Richardson, TX 75083; 800-493-2222; www.cccamerica.org. There are no income requirements.
How To Get Good Credit Counseling
The credit counseling business has become a very profitable business and you have to be careful in choosing someone to help you with your debt problems. Just because they seem nice it does not mean you are getting the best you can. And just because they say they are a non-profit organization, it does not mean that they have your interest in mind. There are no income requirements.
Contact one or both of these organizations that can recommend reputable counseling services: Neighborhood Works Agencies http://www.nw.org/network/Utilities/NWOLookup.asp; U.S. HUD approved counseling agencies http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm You can also check complaints against counseling agencies by contacting both of these offices Better Business Bureau in the city or state the counseling agency has it’s headquarters- http://lookup.bbb.org/ Investigate complaints at the state Attorney General’s Office in the state the counseling agencies has it’s headquarters- http://www.naag.org/attorneys_general.php You can also contact the Federal Trade Commission for information and publications at 877-FTC-HELP; www.ftc.gov
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