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The National Foundation for Credit Counseling has more than 1,300 community-based agency offices across the country. They provide consumer counseling and education services on budgeting, credit and debt resolution. Their members can be identified by the NFCC member seal, which signifies high standards for agency accreditation, counselor certification, and policies that ensure free or low-cost, confidential services. Member offices can be reached toll-free at: (800) 388-2227, or online at http://www.nfcc.org

Another established group with strict quality standards is the Association of Independent Consumer Credit Counseling Agencies (AICCCA). AICCCA has affiliates in all 50 states. To locate the closest AICCCA member office, call (800) 450-1794 or visit www.aiccca.org and click on the "Find a Counseling Agency" link.

And last, but not least, please call Debtors Anonymous for guidance and emotional support. The address is P.O. Box 920888, Needham, MA 02492. The Web site is http://www.debtorsanonymous.org






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