If you’re struggling with debt and the effects of poor credit, working with a credit counseling agency can help.
These agencies, which are normally nonprofit and low cost, work with you to manage your debts and stick to a monthly budget. They also discuss your entire financial situation with you in an effort to pinpoint the personal struggles you have with money along with potential solutions.
To find a reputable credit counseling agency, you can find a list on the Department of Justice website.