Washington DC Free Consumer Credit Counseling Service call (800) 254-4100 Credit Repair, Bankruptcy Counseling, Foreclosure Prevention, https://youtu.be/I03zi331RrU Stopping Wage Garnishment, Student Loan Bankruptcy, stopping Vehicle Repossession, Mortgage Loan Modification, and Debt Settlement through chapter 13. https://www.youtube.com/channel/UC0g9QA7SRkhQX7Ri0NEE6nw Credit counseling starts with the parent and may include intermediaries later in life empowered by the individual debtor to act on their behalf to negotiate with creditors and resolve debt that is beyond a debtor’s ability to pay. Credit counseling is a generic name and is not a brand name owned or controlled by any agency or company. Consumer credit counseling services are provided by attorneys, accountants, finance and tax professionals, for-profit, and non-profit credit counseling companies. Regulations on credit counseling and credit counseling agencies varies by country and sometimes within regions of the countries themselves. In the United States, individuals filing Chapter 13 bankruptcy are required to receive counseling from a designated credit counseling agency.