More than 10 million people
helped in 27 years
Over $9.5 billion in
300+ hrs. of live
education each year
How Credit Counseling Works in 3 Easy Steps
Talk to a Counselor
Review your debts, budget and credit with a certified credit counselor to see if you qualify for a debt management program and explore other options for relief, so you can avoid bankruptcy.
Start as Soon as
Take the time you need to decide. Once you are ready to enroll, we will call your creditors and work with them to lower your interest rates and stop late fees.
Get Out of
The program is easy! You make one payment to us each month, and we distribute the funds to your creditors on your behalf. You can be out of debt in as little as 36 months.