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(Bankrate) Credit counseling. Credit counseling is an alternative to bankruptcy. With credit counseling, you make a monthly payment to one company, which in turn pays your creditors. Credit counseling agencies are nonprofit organizations, and you can find one near you on the websites of the National Foundation for Credit Counseling, or NFCC, and the Association ...

Housing agencies scramble after funding cut
CHICAGO -- Housing agencies are scrambling to determine how to cope without the $88 million in housing counseling funds eliminated from the federal budget.