Where to find help with debt issues

•Federal Trade Commission has advice on debt matters: https://www.ftc.gov/bcp/edu/microsites/moneymatters and click on “Dealing with debt.”

•National Foundation for Credit Counciling has information about legitimate, low-fee counciling at https://www.nfcc.org.

•Department of Justice offers a guide to approved credit counseling agencies: https://www.justice.gov and put “List of Credit Counseling Agencies Approved” in search box to get to guide.

•Consumer bankruptcy information is available at the National Association of Consumer Bankruptcy Attorneys at https://nacba.org.

•Government-sanctioned site https://www.annualcreditreport.com gives access to free copies of your credit reports. You can check to see what creditors are reporting about your debts.