best credit counseling agency

Please shop around. You may search it in USA Best Debt Consolidation/Settlement Companies Ranking Chart

First are you searching for a consolidation management or settlement company?

either way you must stick around and search your self due to the rules of the forum no one is allowed to post a company for recommendation and for good reason. There are alot of companies that advertise here as guests so just be cautious and read up!

Here are some tips to find a debt consolidation company: -
1. Do a good research on debt consolidation industry. Check whether the company is accredited with AICCCA (Association of Independent Consumer Credit Counseling Agencies) or NFCC (National Foundation for Credit Counseling).
2. The best companies in the debt consolidation industry would have no complaints against them either with BBB or your state's Attorney General.
3. Talk to the company representatives and inquire whether they offer free counseling.
4. Do a background check of their employees. Companies having economics, finance, accounting and management are more effective in handling your finances.
5. The best debt consolidation companies will try to work out a payment schedule in accordance with your needs.