Credit and Debt Counseling

When your wages are attached or garnished, money is taken out of your paycheck to pay back your debt. Wage attachments usually happen as the result of a cred...

A judgment is a court order that lets a debt collector take specific action to collect your debt. If a debt collector sues you and wins a judgment, you could...

After your car is repossessed and sold, there's a chance you still owe money to your lender. If the sale price on the car did not cover the remaining balance...

When a creditor "charges-off" your debt, it means they've written it off as a loss. A creditor will charge-off your debt if they believe you no longer intend...

The Fair Debt Collection Practices Act (FDCPA) is a federal law that makes it illegal for debt collectors to use abusive, unfair or deceptive tactics to coll...

You can locate an NFCC member agency in your area by visiting the Agency Finder or by calling [nfcc_phone_numbe...

You can find information about becoming an NFCC member agency on our Prospective Members page....

Our Counselor Certification Program is only available to employees of NFCC member agencies. To become a Certified Consumer Credit Counselor, you'll ne...

Even if your creditors refuse to work with you, they will often work with us. An NFCC-certified credit counselor has tools that make it easier to get credito...

In certain circumstances, your creditor may contact us to verify your appointment with an NFCC-member agency. For example, this may happen if you tell a cred...