Finding an experienced certified counselor is key in credit counseling If you really need credit counseling then look for one that is a member of the National Foundation for Credit Counseling at DebtAdvice.org or call them Toll-free: 800-388-2227. These counselors are experienced as well as relatively inexpensive. I would advise you though to go to the NFCC website first as they have a wealth of information on credit counseling, bankruptcy counseling and education, debt management and more at Log In. You can even start your counseling experience online.