Non profit organizations for consolidating debt

But, you should first consider other debt management options.

Bankruptcy information stays on a credit report for 10 years.

Credit counseling services provide resources to help solve your money problems.

Counselors discuss your entire financial situation and help you develop a personalized plan. And they can help you find educational programs on money management.

If you believe you do not owe the money, contact the creditor in writing and send a copy to the collection agency informing them with a letter not to contact you.

A debt collector may not: Report any problems you have with a debt collection company to your State Attorney General's Office, the Federal Trade Commission (FTC), and the Consumer Financial Protection Bureau (CFPB).

Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act.

Your state Attorney General’s office can help you find out your rights under your state’s law.

If you owe the money or part of it, contact the creditor to arrange for payment.

There are two main types of personal bankruptcy: The bankruptcy and petition process is complicated, so it can be difficult to file without an attorney.

When you're ready to consolidate your debt, it's time to find a reputable credit counseling agency that can assist you.

To learn if debt consolidation is right for you, contact a credit counseling service accredited by one of these organizations: If you have a problem with a lender involving debt consolidation, first contact that lender.

If you can't resolve the problem, submit a complaint to the Consumer Financial Protection Bureau (CFPB).

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