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Many universities, military bases, credit unions, housing authorities, and branches of the U. Cooperative Extension Service operate non-profit credit counseling programs.Your financial institution, local consumer protection agency, and friends and family also may be good sources of information and referrals.A successful DMP requires you to make regular, timely payments; it could take 48 months or more to complete your DMP.Ask the credit counselor to estimate how long it will take for you to complete the plan.Most reputable credit counselors are non-profit and offer services at local offices, online, or on the phone.If possible, find an organization that offers in-person counseling.

An initial counseling session typically lasts an hour, with an offer of follow-up sessions.Your creditors may agree to lower your interest rates or waive certain fees.But it’s a good idea to check with all your creditors to be sure they offer the concessions that a credit counseling organization describes to you.Don’t sign up for one of these plans unless and until a certified credit counselor has spent time thoroughly reviewing your financial situation, and has offered you customized advice on managing your money.Even if a DMP is appropriate for you, a reputable credit counseling organization still can help you create a budget and teach you money management skills.You may have to agree not to apply for — or use — any additional credit while you’re participating in the plan.

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