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An essential component of a Credit and debt management services is a consumer credit counseling company. The best of these offer financial education and counseling from trained and experienced personal finance counselors. Many of these are philanthropic organizations. But just because a group calls itself non-profit doesn't mean you should support it. Consumer counseling organizations impose fees.

These fees should be established in writing and are often modest.

Any verbal promises made by a representative or counselor should be documented in writing in any contract with a credit counseling company.