If you decide to use a credit counseling agency, the Federal Trade Commission provides the following tips for choosing a credit counseling agency and questions to ask regarding services and fees and repayment plans.

• Interview several credit counseling agencies before signing a contract.
• Check with your state attorney general and Better Business Bureau to find out if consumers have filed complaints about the agency you are considering. A reputable agency will send you free information about itself and the service it provides without requiring you to provide any details about your situation. If the agency won't do this, find another agency.
• Ask questions about services and fees and the repayment plan.

Repairing Credit Using Credit Counseling

• If you decide to use a credit counseling agency, the Federal Trade Commission provides the following tips for choosing a credit counseling agency and questions to ask regarding services and fees and repayment plans.
• Interview several credit counseling agencies before signing a contract.
• Check with your state attorney general and Better Business Bureau to find out if consumers have filed complaints about the agency you are considering. A reputable agency will send you free information about itself and the service it provides without requiring you to provide any details about your situation. If the agency won't do this, find another agency.
• Ask questions about services and fees and the repayment plan.