How to start a debt counseling or credit counseling service in 2026: nonprofit structure and IRS 501(q) rules, counselor certification and agency accreditation, debt management plans, U.S. Trustee approval for bankruptcy counseling, for-profit debt relief rules and advance fee bans, state licensing, a worked budget example and a 90-day plan.
consumer finance
How to Start a Credit Repair Business in 2026: CROA Rules, No Advance Fees, State Laws and a Profit Example
How to start a credit repair business in 2026: what credit repair can legally do, the Credit Repair Organizations Act (no fees before services are performed, written contracts, three-day cancellation), the Telemarketing Sales Rule, state registration and bonds, dispute processes, pricing, a worked profit example and a 90-day plan.
