Are you living from one paycheck to the next? Afraid about creditors' agents? Is it difficult for you to develop a budget that works, let alone save for retirement? If this is your situation, you may want to speak with a credit counselor. Several non-profit organizations provide credit counseling services, either in person or over the phone. If you can, seek out a counseling service that provides face-to-face assistance. Credit unions, public housing authorities and other U.S. government agencies and institutions employ the technology. Credit counseling services provided by the Cooperative Extension Service are non-profit. In addition to your banking institution, a local consumer protection agency, and family and friends, these organizations can all serve as valuable resources for you. Non-profit status doesn't ensure that services are free, inexpensive, or even genuine, so be mindful of this. However, some credit counseling companies charge excessive fees that they t...