What is credit counseling?

In your (free) credit counseling consultation, a licensed credit counselor will review your debt accounts, help you create a realistic financial budget based on your income and explore all available options for debt relief.  If your debts qualify for a debt management program,  our debt experts will go to work with your creditors to reduce interest rates and waive fees on each of your creditor accounts. Within weeks you'll begin to feel the relief and see the savings!​

Debt Management Program

Never miss a creditor payment again! This debt payoff tool rolls several debts into one easy & affordable monthly payment. We give you the peace of mind, knowing that a licensed not-for-profit credit counseling agency is expertly handling your debt accounts. Our debt management programs are an excellent alternative to high-interest loans and high-cost minimum payments. Let us help you achieve debt freedom with an affordable plan, in a fraction of the time!​

What is Settlement?

Debt settlement programs are helpful for anyone struggling with overwhelming debt and in need of a more affordable monthly payment. Settlement programs allow debtors to negotiate lower balances on qualified creditor accounts. 

Depending on one's financial situation, how much debt they are struggling with, and their current goals, some programs are a better choice than others (more/less aggressive)... we focus on providing all the pros and cons of each program to each client, and let them decide what is most suitable.​

Bankruptcy

As a full service credit counseling agency, we recognize that debt relief is not a complete solution for all clients. In certain instances, bankruptcy counseling may be a more helpful solution for qualified individuals. If you do not qualify for a debt relief program, or cannot afford to make any payments to your creditors, you may want to consider bankruptcy as an option. Prior to the filing of any bankruptcy, you are required by law to complete a pre-bankruptcy counseling session (according to amendments made to the bankruptcy code in 2005). Additionally, you are highly encouraged to seek the advice of a qualified attorney. 

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​Learn how you would benefit from a debt management plan

Contact us today
844-828-2600