Top Nonprofit Credit Counselors

Choosing to enlist the assistance of a credit counseling company can be a difficult decision for many consumers. It can be difficult to find a company that does not charge high fees and that will look out for the best interests of the consumer. A non-profit credit counselor may make consumers feel more comfortable with their decision, as the company is in business to help individuals get out of debt instead of to turn a profit.

AAA Fair Credit Foundation

AAA Fair Credit Foundation was founded in 1997 as a nonprofit organization focused on promoting financial stability for individuals. The company offers free financial counseling, foreclosure and bankruptcy prevention counseling and debt management relief programs. In addition, consumers can take advantage of the company's education programs focusing on credit building and homebuyer education. Consumers who take advantage of the credit counseling program receive assistance in negotiating interest rates with creditors, establishing a debt repayment plan and consolidating the bills into one monthly payment. Certified credit counselors work with consumers to establish a personalized plan that best fits their needs. As of 2010, AAA Fair Credit Foundation has a rating of A+ with the Better Business Bureau.

American Consumer Credit Counseling

American Consumer Credit Counseling was founded in 1991 as a nonprofit debt management and consumer credit counseling service. The company provides assistance to consumers nationwide and is focuses on helping people plan a debt-free future while taking control of their finances. Customers work with a credit counselor to determine the best course of action to out of debt. American Consumer Credit Counseling also offers educational workshop seminars focusing on budgeting, using credit, identity theft, foreclosure prevention and money management. The company has an A+ rating with the Better Business Bureau, as of 2010.

InCharge Debt Solutions

InCharge Debt Solutions offers professional debt management services, credit counseling sessions and educational programs to consumers throughout the United States. The company was founded as a nonprofit with a goal of helping consumers get debt relief and eliminate the stress caused by mounting debts. Both in person and telephone counseling sessions are available, allowing customers to choose the setting that best fits their needs. An InCharge counselor will examine the debt obligations of the applicant, along with her monthly income and necessary living expenses. If qualified, the applicant receives information about InCharge's debt management program, which consolidates the consumer's debt repayments into one monthly payment. InCharge Debt Solutions has a rating of A+ with the Better Business Bureau, as of 2010.