If this sounds familiar, you may want to consider the services of a credit counseling agency. Usually nonprofit, these agencies work with you to solve your financial problems sometimes for free. Credit counseling agencies may offer educational materials and workshops, or help you develop a budget.
Many agencies offer services nationwide through local offices or the Internet.
Even if you've been turned down before. If your financial difficulties arise from too much debt or an inability to repay your debts, a credit counseling agency may work out a Debt Repayment Plan for you. In these plans, you deposit money each month with the credit counseling agency. Your deposits are used to pay your creditors according to a payment schedule the counselor develops with you. As part of the repayment plan, you may have to agree not to apply for or use any additional credit while you re participating in the program.