Worried about debt collectors? Can’t seem to develop a workable budget, let alone
save money for retirement? If this sounds familiar, you may want to consider the
services of a credit counselor. 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. Before you work with a counseling
service, make sure it is licensed by contacting the Maryland Commissioner of
Financial Regulation at 888-784-0136 or 410-230-6097 
(https://www.dllr.state.md.us/finance/advisories/advisory11-08credit.htm).
Reputable credit counseling organizations advise
you on managing your money and debts, help you develop a budget, and usually
offer free educational materials and workshops. In addition, some creditors may be
willing to accept reduced payments if you are working with a program to create a
debt repayment plan.

Credit Counseling – FTC
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre41.shtm

Choosing a Credit Counselor – FTC
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre26.pdf

Credit Repair: How to Help Yourself – FTC
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre13.shtm

Credit Repair Scams – MD Attorney General http://www.oag.state.md.us/consumer/tip4.htm

Credit Repair Scams – Consumer Action
http://www.consumer-action.org/english/articles/credit_repair_scams

Don’t Be Fooled by Misleading ‘Credit Repair’ Claims! – Consumer Action
http://www.consumer-action.org/english/articles/dont_be_fooled_by_misleading_credit_repair_claims

Improve your Credit – Consumer Action
http://www.consumer-action.org/english/articles/improve_your_credit_put_bad_credit_behind_you_2007_english

Secured Credit Card – Consumer Action
http://www.consumer-action.org/english/articles/building_or_repairing_your_credit_with_a_secured_credit_crd