For more information on credit counseling agencies, check out these Web sites:

www.debtadvice.org – This site is sponsored by the National Foundation for Credit Counseling, the umbrella group for Consumer Credit Counseling Services, which establishes standards for its member agencies to follow.

www.aiccca.org – The Association of Independent Consumer Credit Counseling Agencies is another umbrella group for credit counseling agencies. It also sets standards for its member agencies.

www.coanet.org – The Council on Accreditation is the leading accrediting body for credit counseling agencies.