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Consolidating credit counciling

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For a list of agencies and the languages that they offer, select the language from the drop down list below and click "Go". (Note: English and Spanish language services are listed in the "Approved Agencies by State" links above.) Addresses listed for internet and telephone credit counseling agencies may be outside the requested state or judicial district.

If you are looking for a language that is not found on the drop down list, please contact the Credit Counseling Unit at the Executive Office for U. In such cases, the credit counseling agency is physically located in another state or judicial district, but is approved to provide credit counseling in the requested state or judicial district. Many of the approved agencies listed on this Web site may also provide other counseling services to assist individuals not considering bankruptcy.

Some of the agencies are non-profits that charge at no or non-fee rates, while others can be for-profit and include high fees.

Regulations on credit counseling and Credit counseling agencies varies by country and sometimes within regions of the countries themselves.

Prospective lenders, employers and landlords may view information in an individual's credit report, if the application forms consumers sign grant them permission to do so.

Debt Counselling was introduced and enforced in 2007.Credit counselors can sometimes negotiate debt relief, where part or whole of an individual debt is forgiven.Another option is Debt consolidation, in which one new loan replaces multiple unsecured credit debts.In order to initiate a DMP, a consumer would authorize the credit counselor to contact each of the consumer’s unsecured creditors and negotiate with each creditor to lower the consumer’s monthly payment amount, to lower the interest rate, and to waive any outstanding late fees.The debt was then ‘‘consolidated’’ into a single payment.In the United States, the National Foundation for Credit Counseling was established in 1951.