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Step 1
Search for debt relief agencies that belong to the Association of Independent Consumer Credit Counseling Agencies.
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Step 2
Compile a list of debt relief agencies that cater to your type of debt management. A reputable agency should hire trained debt relief counselors, should be properly bonded and licensed and should offer a variety of educational materials, lectures and courses that can help you manage your money.
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Step 3
Visit the websites of agencies on your list to learn more about the types of services they have to offer. Services may include debt management, credit counseling, credit negotiation services and debt repayment services.
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Step 4
Select the agency that best suits your needs. Speak to a counselor and ask questions pertaining to your financial situation.
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Step 5
Meet with the debt counselor in person or set up a time to speak with him or her over the phone. Ask for a repayment schedule and a written contract before using any of the agency's services.
