What service assists individuals in debt by setting up a repayment plan for low or no fees?

The National Foundation for Credit Counseling is recognized as a reliable service that helps individuals manage their debt through structured repayment plans. This organization typically offers financial counseling and works with consumers to create personalized plans that adhere to their financial capabilities. They are committed to providing these services at low or no fees, making them accessible to those in need.

In contrast, the Consumer Financial Protection Bureau is a federal agency that provides education and resources regarding financial products but does not directly set up repayment plans. Credit Repair Services, on the other hand, generally focus on improving credit scores rather than assisting with debt management through structured repayment plans. Finally, the Bankruptcy Court deals with legal proceedings associated with bankruptcy, providing a last-resort option for individuals overwhelmed with debt, but not setting up repayment plans for ongoing debts. Therefore, the National Foundation for Credit Counseling is the most appropriate choice for guiding individuals through debt repayment arrangements.