2. Don t pay an arm and a leg.
You should not have to pay hundreds–or thousands–of dollars. Most HUD-approved housing counselors provide no-cost counseling services and many more provide low-cost counseling. Do not agree to work with a counselor who collects a fee before providing you with any services or who accepts payment only by cashier s check or wire transfer. In general, do not pay money to anyone unless you know exactly what services you will receive.
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