But you have to be careful when selecting a counselor. You want to work with a nonprofit agency that is approved by the Better Business Bureau. Most financial experts suggest you find a counselor who is affiliated with the National Foundation for Credit Counseling (NFCC). From the NFCC's home page, click on "Find a Counselor." You'll find options to receive counseling either over the phone, in person, or online.
For in-person counseling, you only need to provide your zip code and the radius (number of miles you're willing to travel) to find a location near you. You can also call the NFCC at 1-800-388-2227. If you prefer online counseling, click on the individual agency's information page to see if that service is provided. Once you narrow down your selection, ask the agency for referrals and follow up with phone calls.