* National Debt Relief. They offer a debt management program that can help you lower your interest rates, consolidate your debts, and develop a plan to repay them.
* American Consumer Credit Counseling. Can help you create a debt management plan and negotiate with your creditors to reduce your interest rates and monthly payments.
* Debt.com. They have a non profit debt management section on their website that includes information on finding the right program for you, avoiding bad debt relief practices, and more.
* CreditKarma. Can help you understand your debt and provide you with tips on managing it.
* NerdWallet. Provides comprehensive information on debt management, including articles, tools, and calculators.
Books
* The Total Money Makeover by Dave Ramsey. This book provides a comprehensive plan for getting out of debt and building wealth.
* The Debt-Free Life by Gail Vaz-Oxlade. This book offers practical advice on how to get out of debt and stay out of debt.
* The Millionaire Next Door by Thomas J. Stanley and William D. Danko. This book looks at the habits of wealthy individuals and provides tips for achieving financial success.
Government resources
* Federal Trade Commission (FTC): The FTC offers a variety of resources on debt management, including information on your rights as a debtor and how to avoid debt traps.
* Consumer Financial Protection Bureau (CFPB): The CFPB provides information on debt management, including how to choose a debt management program and how to avoid debt relief scams.
* Internal Revenue Service (IRS): The IRS offers information on how to claim deductions and credits for debt relief.
Non-profit organizations
* National Foundation for Credit Counseling (NFCC): The NFCC offers free debt counseling and education to consumers.
* Consumer Credit Counseling Service (CCCS): The CCCS offers debt counseling and education to consumers.
* CredAbility: Offers confidential debt and financial counseling to help build money management skills and find the best steps for managing debt.
* Credit Builders Alliance: Provides free and low-cost credit counseling, housing counseling, and financial education services.