phone adult dating trial - Government approved credit consolidating programs
Many universities, military bases, credit unions, housing authorities, and branches of the U. Cooperative Extension Service operate non-profit credit counseling programs.
Your financial institution, local consumer protection agency, and friends and family also may be good sources of information and referrals.
Most reputable credit counselors are non-profit and offer services at local offices, online, or on the phone.
If possible, find an organization that offers in-person counseling.
While credit companies are under no obligation to negotiate your payments, the best debt consolidation companies may be able to consolidate your debt to a single, monthly payment or negotiate to lower the total amount of debt that you owe.