If you are unable to make satisfactory arrangements with your creditors, there are organizations that can help. For example, the National Foundation for Credit Counseling (formerly the National Foundation for Consumer Credit) has more than 150 member agencies with over 1,300 offices nationwide. Many of these are listed in the phone book under the name Consumer Credit Counseling Service (CCCS). These local, non-profit organizations affiliated with the National Foundation for Consumer Credit (NFCC) provide education and counseling to families and individuals. The NFCC recommends that consumers seek credit counseling when they are able to answer