There are a few steps to take in the case this happens: Contact your bank immediately and stop all payments to your credit counseling agency. Talk to your creditors and ask if you should continue your payments. Check your latest credit report and verify that your payments were sent to creditors. If they were not sent and there are some negative items on your credit report, you may want to contact a credit repair company to dispute them. You may want to contact another reputable credit counseling agency to speak to your creditors and rectify the situation.