Living paycheck to paycheck? Worried about debt collectors? Can't seem to develop a workable budget let alone save money for retirement? If this sounds familiar, you may want to consider the services of a credit counselor. Usually nonprofit, these agencies work with you to solve your financial problems — sometimes for free. But beware because a number of credit counseling agencies have been cited for ripping off consumers. That is why we have partnered with GreenPath Financial Wellness to offer GreenPath, a free financial education and counseling program that is now available to you. If you are looking for a credit counselor on your own, be a smart consumer and follow the following guidelines.