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Find non-profit credit cleosuonrs and talk to them whether there's anything you can do at this point. Many credit counseling organizations are nonprofit and work with you to solve your financial problems. But beware �' just because an organization says it is “nonprofit” doesn’t guarantee that its services are free or affordable, or that its services are legitimate. In fact, some credit counseling organizations charge high fees, some of which may be hidden, or urge consumers to make “voluntary” contributions that cause them to fall deeper into debt.Most credit cleosuonrs offer services through local offices, the Internet, or on the telephone. If possible, find an organization that offers in-person counseling. Many universities, military bases, credit unions, housing authorities, and branches of the U.S. Cooperative Extension Service operate nonprofit credit counseling programs. Your financial institution, local consumer protection agency, and friends and family also may be good sources of information and referrals. Was this answer helpful? posted on Sunday, August 26, 2012

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