System Upgrade now in Progress: We are in the process of updating our systems. During this time, the online portal will be down. If you need to make a change to your payment (2 business day notice required), please contact a certified counselor at (800)-823-7396. During this migration, we do expect longer than normal hold times and do appreciate your patience.

As of August 5,2024 we are upgrading our client portal to a new, user-friendly website that better fulfills our mission of helping consumers achieve self-reliance, financial stability and financial independence.

The upgraded design offers improved functionality, navigation, organization and usability. This portion of our website is designed to enhance the experience of our online community and provide helpful information in a simple, fast and efficient manner. We believe the site's improved usability will create an enhanced learning environment for our users.

Your Debt-Free
Journey Starts Here

Overwhelmed by Credit Card Debt?

A debt management plan may be the right solution for you!

Typical Benefits Include:

Consolidated monthly payment

Reduced interest rates

Waived late and over-limit fees

An end to
collection calls

3-5 year debt repayment average

Customizable payment date

Free Online Debt Solution

Get your finances back on track with a free, confidential credit counseling session to review your situation. You’ll receive a customized action plan that includes a personalized budget, credit report summary and debt relief options.

You can start the process online 24/7 and save your progress as you go.

Or connect with a certified counselor over the phone at 866-750-9633.

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In Their Words

by Wayne Thai

Nothing But Great Things to Say

I wish I could assign 10 stars. This company did so much for me. They kept my head above water daily for 4+ years. I have nothing but great things to say about them. If you need help. I’m certain they can help.

by Joan Braithwaite

It Worked For Me

I had credit card debt when I became unable to work and on social security it was hard.
Take Change America helped me with a plan I could manage.
It was what I needed, TCA is there for any questions and they did a great job.
I’m very satisfied. Thanks

by Kermit McCoy

Details Are Quite Simple

Details are quite simple changing my buying habits, paying my lowest bills as fast as possible without breaking my finances stability. Plus, keeping a positive flow in my different accounts.

by Allegra C.

We're Finally Recovering

This place is forthright, helpful, and will accomplish what you need if you find yourself in more debt than you know how to handle. They work by negotiating lower APRs, thereby giving you the tool to get out of the financial hole without the cons of bankruptcy.

by Wayne Thai

Nothing But Great Things to Say

by Joan Braithwaite

It Worked For Me

by Kermit McCoy

Details Are Quite Simple

Details are quite simple changing my buying habits, paying my lowest bills as fast as possible without breaking my finances stability. Plus, keeping a positive flow in my different accounts.

by Allegra C.

We're Finally Recovering

by Wayne Thai

Nothing But Great Things to Say

A Trustworthy Partner

Since 1987, we have helped more than 2 million people nationwide pay off and manage more than $6 billion in debt. We can help you, too!

Frequently Asked Questions About Debt Management Plans

How do I know if a debt management plan is right for me?

Completing credit counseling online or over the phone will help us determine if a debt management plan is the right solution for your circumstances. If we are able to work out a balanced budget that accommodates the plan and other monthly expenses, there’s an excellent chance a debt management plan will be your best debt relief option.
Do I need to have good credit to qualify for a debt management plan?
How much does the program cost?
Which debts can be enrolled in a debt management plan?

You can enroll credit card debt and medical bills into a debt management plan.

A debt management plan does not include secured debt, such as mortgages and auto loans, which are backed by collateral. Additionally, it does not include student loans, payday loans or IRS payments.

If you are struggling to meet your mortgage payments, we offer foreclosure prevention and default counseling.
How long does it take to complete the program?

Every situation is unique. The length of the plan will depend on a number of factors, including total debt amount, income, accuracy of creditor balances, finance charges and any debt added to the program in the future. Most clients on debt management plans are able to pay off their enrolled debt in three to five years. You may also make extra payments at any time to help accelerate your payoff time and save on interest charges.
Can I open new lines of credit while enrolled in a debt management plan?

We recommend that clients enrolled in a debt management plan do not open new lines of credit until the current debt is paid off. Creditors may discontinue your plan benefits if you open new credit. Vehicle and housing loans are unique and may be necessary while you are enrolled in a debt management plan. We will provide lenders with your TCA payment history to assist with such loans upon your request.