Credit Problems? Be Careful Where You Go for Help

Being in debt and out of a job at the same time is a lot bigger problem than either of those problems by themselves. What can make it even worse is that there are a lot of "credit counseling agencies" out there that are taking advantage of people's problems instead of helping.

There are some "good guys" out there, too. Here's one.

From the DebtAdvice.org website:
DebtAdvice.org is designed to help consumers understand the wise use of credit and locate a trained, certified counselor if you are in need of assistance. DebtAdvice.org is a service provided by the members of the National Foundation for Credit Counseling, (NFCC), most of them known as Consumer Credit Counseling Service (CCCS). The NFCC promotes the national agenda for financially responsible behavior and builds capacity for its members to deliver the highest quality financial education and counseling services