Do I have to pay for credit counseling services?

No, you do not have to pay for credit counseling services. Reputable credit counseling agencies usually provide free initial consultations and counseling sessions. They aim to help individuals manage their debts and improve their financial situations. These services include a thorough evaluation of your financial situation, budgeting assistance, and debt management plans. However, some agencies may charge nominal fees for specific services such as enrolling in a debt management plan or credit report reviews. It is important to research and choose a trustworthy credit counseling agency that offers transparent fee structures and is affiliated with accredited organizations like the National Foundation for Credit Counseling (NFCC) or the Financial Counseling Association of America (FCAA). Remember, the goal of credit counseling services is to empower individuals to take control of their finances while providing assistance, education, and resources.