Many companies advertise credit-counseling services. It can be difficult to determine which are reputable and which should be avoided at all costs. One of the best ways to find a reliable and reputable credit counseling service is to contact the National Foundation for Credit Counseling (NFCC) for a referral in your area. Founded in 1951, this entity is the county's largest and longest serving national nonprofit credit counseling organization. Their agencies have trained, certified credit counselors who offer free and low-cost educational information, management advice, and debt reduction services. For more information, please visit their website.