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MortgageHelpNow.org is a service provided by the Members of the National Foundation for Credit Counseling (NFCC), most of them known as Consumer Credit Counseling Service (CCCS). Learn how NFCC through its Member agencies has been offering low-cost assistance to people trying to cope with difficult credit-related issues since 1951. Independently Accredited Member agencies Discover how you'll benefit by working with a Member agency., due to a strict independent accreditation process through the Council on Accreditation of Services For Families and Children, Inc. (COA)