The National Foundation for Credit Counseling is a network of nonprofit credit counseling agencies offering free or low cost financial counseling, debt management plans, and budgeting support groups. NFCC member agencies are certified and held to consistent standards of practice, and the NFCC website includes a locator to connect with a certified counselor by phone, video, or in person depending on the agency. This is a practical next step for anyone working through the financial documentation and debt negotiation guidance covered elsewhere on this site.