To learn about the services offered to households experiencing debt problems, contact the National Foundation for Consumer Credit (800-388-2227 or on the Web at www.nfcc.org). This nonprofit organization has offices across the nation and can refer you to a credit counselor in your area. Other for-profit services also may be available, but be sure to shop around before committing to any service. What educational or debt counseling services are available? What is the profile of the typical client they serve? What strategies do they typically use to assist clients? What are the expectations of clients seeking assistance? What costs, if any, do these services charge? What is the percentage of clients who successfully complete the debt management program?