Every day on the show, Clark gets calls from people who are in some level of distress with debt. People are facing insurmountable debt, or so it seems. On top of that, they see late night TV ads for credit counseling services that offer to help you out of debt. They claim to be “non-profit” organizations just out to aid law abiding citizens. In actuality, they just want to take your money. The IRS has been after these companies for two years. And now, the IRS commissioner is about to take away the “non-profit” status from many of these organizations. So, how can you find the right people? The National Foundation for Credit Counseling is the accreditation body for legitimate credit counselors. You can find those legit organizations at its site, nfcc.org. Any fees these companies charge you are nominal and are to cover the cost of handling transactions with your creditors. Check it out.