Services Offering Free Debt Help

Do you need help managing the debts you currently owe? If so, you should consider the debt help services listed below. They are all free or low-cost services, and some are even non-profit. These professionals can help you manage your debt properly.

Please note that we make every effort to screen the debt help services listed on this website. But you still need to perform some due diligence of your own, to screen the companies and their offers. All of the organizations listed on this page are either non-profit debt counselors, or they offer some form of free counseling (like the offer above).

Non-Profit Debt Counselors

Good credit is the key to qualifying for a mortgage loan and buying a home. In this section of the website, we offer a variety of tools and tips to help you understand this connection. You are bound to find the answers you need below!

National Foundation for Credit Counseling (NFCC)
This non-profit organization offers a variety of credit counseling and debt help services. Their headquarters is located in Silver Spring, Maryland, but they have member agencies all over the United States. You can do a search on their website to find a debt counselor near you. Their website says that most of their services are "provided at low or no cost to clients." Free debt help is available through NFCC, for certain folks anyway.
Website: www.nfcc.org

Consumer Credit Counseling Services (CCCS)
This organization has been around since 1999. They provide a wide range of counseling services related to credit, debt management and similar topics. They help their clients in person, over the phone, and via the Internet, depending on the circumstances. Among other things, they can help you create a debt-management plan that will put you in a better position to buy a home.
Website: www.creditcounseling.org

"Christian" Does Not Equal Free Help

A word of warning. When I was doing online research to create this page, I stumbled across a few companies that claimed to be non-profit organizations. At least, that's what their ads said in the Google search results. Specifically, they claimed to offer "Christian debt help" services that were non-profit in nature.

But guess what? I looked up several of these companies and sent a few emails, and I found that they were NOT non-profit organizations. They are profit-driven companies who use words like "Christian" and "non profit" to lure in business. Personally, I find this both deceptive and despicable. You've been warned. If you want free or low-cost debt help from a true non-profit, then do yourself a favor and contact one of the two organizations listed above (NFCC or CCCS).

How to Help Yourself with Debt Problems

It's nice to have debt help from a financial professional. But the real hard work must come from you. Only you can cut back on your expenditures. Ony you can make regular payments toward your outstanding debt balance. Sure, a counselor can help by getting you pointed in the right direction. But in the end, you are the one who will do the work. Here are some articles on the self-help approach to debt relief:

The Best Ways to Pay Off Debt
This article walks you through the steps needed to create a debt-reduction plan. It offers tips on budgeting, prioritizing, making regular payments and more. This is an excellent place to start, for anyone who needs help paying down a debt balance.

More Information About Non-Profits
Will the real non-profit organization please stand up? That's what I feel like saying every time I do an Internet search for debt help services. There are so many companies out there who throw the words "non profit" into their search engine listings, when in truth they are plain old profit-driven companies.

Debt Reduction for Home Buyers
Did you know that carrying too much debt can seriously harm your chances of mortgage approval? It's true. But there's plenty you can do about it. This article explains how to reduce your debt in a systematic way, to increase your chances of getting approved for a home loan.

How to Prevent Debt Collector Harassment
When you're working hard to pay down your debt levels, the last thing you want is some collection agency calling you five times a day. Fortunately, there are laws that prevent this kind of harassment. This article explains what you can do to stop it.

We hope this information helps you find the debt help you need to get your finances under control. If you have additional questions about this topic, use the search tool at the top of the website. There are more than 2,000 articles on this site, with topics ranging from debt help to mortgage loans. So you're bound to find something useful.