Ask The Experts

Have a financial question? Our team of experts has the answers you need.

Don’t leave your financial life up to chance or guesswork – get the answers you need to all your financial questions here! Consolidated Credit’s team of experts is here to answer your questions for free so you can make the right choices to overcome financial challenges and reach your goals.


In the Ask the Expert series, people ask a lot of really good questions and sometimes it’s hard to give an answer that works for everyone. Everybody’s situation is different so the best advice I can give is: Ask these questions to your counselor after you’ve already talked to them about your specific situation.

I’ll do the best I can to give the general answer to the questions that are being asked, but you will get a more specific answer from your counselor after they know what your situation is.


Below you’ll find answers to past questions we’ve received. If you have a question of your own, fill out the form to the right and we’ll get the answer you need within 48 hours, and if we think it’s an answer others can use, too, we’ll post the response here so everyone can benefit!

Most Recent Questions

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    The homebuying process can be complex and even intimidating if you don’t know what to expect. HUD-approved homebuyer workshops help firs-time buyers learn about the process so they know how navigate it to get approved.

  • Close credit card accounts

    When you enroll in a debt management program it allows you to consolidate high-interest credit card debt into one low monthly payment, but there’s a tradeoff. Learn how the program impacts your ability to use your cards.

  • Consolidate your debt

    A debt management program allows you to consolidate debts into a single monthly payment at lower interest rates, but it won’t work for just any kind of debt. We tell you what can and can’t be included when you enroll.

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    When collectors start to call and send letters, it can be overwhelming – especially if you aren’t sure if the debts they’re asking about are even yours. We explain how to use your credit report to verify which debts you owe.

  • Move forward with a debt management program

    Just because you’re getting sued over an unpaid debt, it doesn’t mean you’re stuck! Consolidated Credit’s President Gary Herman explains how you may still be able to enroll in a debt management program even with a lawsuit.

More Questions by Category

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

All Consolidated Credit counselors are certified personal financial counselors (CFC) We've helped 5 million people get out of debt! Call us today and see what we can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

The National Industry Standards for Homeownership Education and Counseling are a set of guidelines for quality homeownership and counseling services. Industry professionals who adopt these standards can be trusted to provide consistent, high quality advice.
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Consolidated Credit Consulting Services, Inc. has been verified as the owner or operator of the Web site located at www.consolidatedcredit.org. Official records confirm Consolidated Credit Consulting Services, Inc. as a valid business. Call us today and see what we can do for you.

Consolidated Credit is a Certified ISO 9001 company, as verified through Bureau Veritas Certification.

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Consolidated Credit is proud to be an ANAB accredited member. Accreditation by a recognized and respected body such as ANAB ensures the impartiality and competence of our company. To see what we can do for you, give us a call.

U.S. Department of Housing and Urban Development - HUD's mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. Consolidated Credit is proud to be a member of HUD and also part of the Hope Now Alliance.

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With this amount of debt, you'd pay around $xx.xx on a DMP.

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