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Sometimes you don't only need counseling for your emotional and psychological problems, sometimes even your Seattle credit needs counseling too. So lay your credit down on the couch and grab the tissues, this could take a while.

Credit counseling is a process offering education to consumers about how to avoid incurring debts that cannot be repaid. Consumer credit counseling services provide confidential counseling on managing credit and getting out of debt, assistance in negotiating better terms with your creditors, and guidance on budgeting your money and meeting your debt obligations.

You may find the following helpful:

• The National Foundation for Credit Counseling (NFCC) member agencies provide comprehensive money management services based on your individual needs. Members provide free and/or affordable services, which are offered in-person or by phone. Many agencies also offer web-based services.
• You may wish to view information on credit and loans for consumers from the Federal Trade Commission (FTC). The FTC offers tips on how to be a smart financial consumer, guidelines for getting rid of consumer debt, and information on your rights as a consumer. 
• You may also wish to view a consumer alert on credit counseling organizations from the Internal Revenue Service (IRS).
• Finally, you may wish to view a list of credit counseling agencies approved by the Department of Justice (DOJ).

You may also wish to visit ControlYourCredit.gov, a web site provided by the United States Department of the Treasury (TREAS) that is geared towards educating consumers on how to maintain good credit.