If you're having trouble keeping up with your debt, you may want to turn to a debt counseling agency before it gets worse. Many agencies are nonprofit organizations that will give you a plan to pay down your debt.

But there's no guarantee it will be low cost or even legitimate. Here's how to protect yourself.

Avoid any credit counselor who:

1. Charges high up front or monthly fees to enroll.
2. Won't send you information about services he provides without your personal info like credit card and account numbers.
3. Tries to enroll you without reviewing your personal situation.
4. Or offers no budget and money management skills.
5. And pressures you to make voluntary contributions to the firm.

If you're unsure of the credit counselor's claims, check out the agency with your local Better Business Bureau.

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