According to a radio commercial most credit counselors work for the credit card companies. That's not hard to believe. I know several people who went for credit counseling and left with a brand new credit card and a new line of credit. In other words they got deeper in debt.

Finding a credit counselor can be tricky but here are some links to point you in the right direction.

Resources

• Federal Trade Commission (FTC). Visit www.ftc.gov for consumer information.

• Knee Deep in Debt. Click title for tips on how to get out of debt.

• How to choose a credit counselor. Click title to read.

• Association of Independent Consumer Credit Counseling Agencies. Visit www.aiccca.org for names of credit counselors.

• National Foundation for Credit Counseling. Visit www.nfcc.org for names of credit counselors.

• Better Business Bureau. Visit http://search.bbb.org/search.html to check the reputation of individual credit counseling agencies.

Good luck!