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Q: I need information or reviews about trustworthy debt consolidators. Can you point me in the right direction? —J.L., via e-mail
A: Your best bet is a nonprofit credit counseling
agency that's approved by the federal government. A good way to find one is by going to the Justice Department website and clicking on Credit Counseling & Debtor Education for a list of approved agencies by state. You're smart to seek advice. Unscrupulous debt consolidators have been preying on people trying to recover from the economic downturn.
We've outlined some of the problems with the debt-collection industry. For more help on managing your debt, check out these helpful tips from our money experts.
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