There are several non-profit credit counseling agencies that are willing to help you and work with you to find the best solution to your financial problems.  One must be aware, however, as not all non-profit agencies are completely free.  In fact, if anyone offers you anything more than free information, be very wary and do more research on the company. 

There are several credit counseling agencies that can help you learn to manage your finances and get out of debt at the same time.  Reputable credit counseling agencies provide you with free information to help you educate yourself as well as the services it provides without requiring any information about your finances from you.  When you develop a list of agencies that you think might be able to help you, you will then want to check them out at the Better Business Bureau.  The Better Business Bureau is usually up-to-date on any current scams that may be floating around the credit consolidation business. 

There are several questions that you will want to ask the potential agency before you sign any credit consolidation loan applications. 

· What services do you offer?
· What information can you provide me?
· What are your fees?  Are there administration or set-up fees?  Are there monthly fees?  How are fees broken down?
· What if I can't afford to pay your fees?
· Will I have a formal contract with you?
· Are you licensed in my state?
· What are the qualifications of your counselors?
· Do your counselors/employees work on commission?

You will want an agent that offers more than just credit consolidation loans.  You will want a variety of services such as budget counseling and money management classes.  Avoid agencies that charge you for their educational materials.  Get a specific quote for your financial situation including any fees that you are going to be charged.  These are important aspects to consider when choosing a credit-counseling agency.