Credit counseling is a free service that helps people find solutions to their financial challenges. An initial financial assessment can be completed over the phone or online. The process enables our certified credit counselors to learn about your current situation and determine the best course of action. We will help you get your budget back on track, recommend solutions to improve your financial situation and offer educational resources to help you develop effective spending habits, budget to meet living expenses and manage personal debts.

If you feel overwhelmed with your finances, are struggling to pay your bills, have missed due dates with your creditors, or are anticipating a hardship in the near future, you may benefit from credit counseling. We will review your personal situation and determine the appropriate solution to help you reach your goals.

No, there is no fee for credit counseling. Clients who choose to use a debt management plan may be charged a one-time set-up fee and a modest monthly fee, if applicable. We will provide you with all possible solutions and notify you of potential fees.

No, any consumer can benefit from credit counseling help. Following a confidential financial assessment (over the phone or online), our credit counselors develop a plan of action and offer educational resources to help you manage your debts and save for the future. All plans are customized for the unique needs of each customer.

The length of the credit counseling process is determined by individual circumstances. On average, the online session takes 30 minutes or less. A phone session takes about 30 to 60 minutes. You can complete the process faster if you have easy access to your income sources, expenses, monthly bills and credit card statements. For online sessions, you can save your progress and return at your convenience.

Fill out the form above to start your online credit counseling session. You can save your progress and return at any time. To start the process over the phone, call 866-750-9633.