How do I choose a credit counseling service?

The credit counseling service you select should have the following traits: have certified credit counselors to assist you, be accredited through the BSI, have a good record with the Better Business Bureau, and offer financial education. Make sure the agency has a history of good experience and have contacts with creditors. We recommend you do your own independent research but be wary of new, fly-by-night debt management and debt settlement companies. Remember that if something seems too good to be true, it probably is.