- 1). Consider a close friend or family member. This person should be someone you respect for wise financial stewardship. Because they know you, they may be able to quickly point out personal habits that may be contributing to your increased debt.
- 2). Go to your church, synagogue or mosque. Many religious institutions offer classes or seminars in financial management. These organizations realize financial problems often connect to other stresses on individuals or families, so have made financial planning a component of their ministry.
- 3). See your bank or credit union. Lending institutions have a vested interest in your financial solvency. Some even have designated staff members specifically for credit counseling.
- 4). Visit government websites. The growing problem of personal debt has led many state and federal departments to gather trusted resources and advice in an effort to assist citizens. For example, the Federal Trade Commission website at ftc.gov has a fact page for consumers coping with debt, including locating a legitimate credit counseling services.
- 5). Go to court. The last resort may be to seek assistance through bankruptcy court. This option is not as attractive as it once was thanks to sweeping reforms passed by Congress in 2005 to limit the amount of debt that can be "written off" through court order. Consult a lawyer to learn what advantages or disadvantages may exist by pursuing this option. Declaring bankruptcy will greatly impact your ability to obtain credit in the future.