HUD-approved housing counseling agencies provide housing counseling to renters, first-time buyers, and homeowners. Homeowners with problems that could result in default of their mortgage or foreclosure on their property need to contact a HUD-approved housing counseling agency immediately.

Contact the housing counseling center closest to you:

If you need help dealing with your debts, you may want to contact the Debt Counselors of America (DCA) - an IRS-approved non-profit agency that assists families and individuals with debt, credit, money, and financial problems. DCA works with your creditors, and you to pay off your debts.

A similar agency is the National Foundation for Consumer Credit, a non-profit organization that can help you analyze your situation and work with you and your creditors to establish a repayment plan that will satisfy both you and your creditors.
Their Consumer Credit Counseling Service has more than 1,200 offices throughout the country. They offer free or low-cost financial counseling to help people solve their financial problems.