Look for a reputable nonprofit credit counseling agency through the Association of Independent Consumer Credit Counseling Agencies (www.aiccca.org) or the National Foundation for Credit Counseling (www.nfcc.org). Fees vary depending on your state of residence and whether the counseling agency is a member of the NFCC. Typical fees for a nonprofit credit counseling agency may be an initial $25 to $100 administrative fee to set up a debt management program (DMP). Some credit counseling agencies charge a modest monthly fee for managing the plan; others charge a more significant fee. DMP fees are regulated in some states. Before enrolling in a DMP, ask for a written statement of costs. If the fee is too high or you are asked for a large "voluntary" contribution, you may want to consider selecting another agency.
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