 If it seems like there's no way out, know there is legitimate help available. The National Foundation for Credit Counseling is a nonprofit organization that has provided answers and concrete solutions to consumers in situations just like yours for more than 60 years. Our certified housing specialists will work with you to review your finances and create a custom plan that's right for your specific situation. NFCC member agencies provide free and affordable help and meet U.S. Department of Housing and Urban Development standards.