Credit Counseling

Credit counseling agencies arrange debt management plans, in which you repay the full balance at interest rates your creditors have agreed to reduce, plus a setup fee and a monthly fee. Most are nonprofits, which is a tax status rather than a statement about cost or impartiality; agencies are also paid a share of what you repay by the creditors themselves. Each record below shows the agency's tax status, revenue sources where filed, published fees, and regulatory history, every field linked to its source.