Debtor Application Instructions - Department of Justice - justice 2025

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Standards. Every NFCC member agency is accredited by the Council on Accreditation (COA) to ensure standards are maintained as a nonprofit financial counseling agency. COA is an independent, third party, nonprofit accrediting organization.
Visit the National Foundation for Credit Counseling online or call 800-388-2227. Visit the Financial Counseling Association of America online or call 800-450-1794. If you find a credit counseling company thats a good fit, the CFPB says to look it up with your states attorney general or consumer protection agency.
A: Please use the list of approved providers on the USTP website to find an approved debtor education provider. The USTP does not recommend any particular provider, or guarantee the quality of an approved providers services.
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Credit counseling agencies should be members in good standing with the Better Business Bureau. No agency with thousands of clients will be completely free of complaints, but BBB membership ensures that agencies make every effort to respond to consumer complaints until the client is satisfied.
Credit counseling organizations can advise you on your money and debts, help you with a budget, develop debt management plans, and offer money management workshops. Working with a credit counselor can be a great way of getting free or low-cost financial advice from a trusted professional.

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