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Best Rating: 5 | Average Rating: 4.8 | Total Ratings: 1522
Debt
Solutions
No matter what your situation is, we can help you identify the right solution for your needs. Find solutions that help you get out of debt quickly, efficiently and in a way that’s best for your credit.
Credit Card
Debt
Credit cards offer a unique challenge when it comes to debt due to high interest rates and minimum payments that barely make a dent in your balances. Learn to manage your debt effectively.
Housing
Counseling
Your home is your most important asset and we can help you protect it! From reverse mortgages for seniors to counseling for first-time homebuyers, our HUD-certified team is here to help.
Financial
Advice
Whether you need help with budgeting and saving, you want to maximize your credit, or you’re planning ahead for a major life event, we have the personal finance advice you need to get ahead.
Featured Video:
Consolidated Credit Hosts 2018 Housing Fair
This year, Consolidated Credit hosted our first Housing Fair to help local homebuyers craft the right strategy for success
Barry Rothman, Consolidated Credit Housing Counseling Program Manager: Well, today we’re having a wonderful fair for homebuyers. Where they could learn about mortgage financing, getting the home inspected, how to work with a Realtor® and a host of other topics. And they could meet people that could help them out in their dream.
Rodney Baltimore, Hot 105 Radio Personality: I’m Rodney from Hot 105 Radio and we were a part of the promotion for you guys, for your homebuyers fair. So, I’m happy to be here today. You guys provide the services and we just provide an opportunity for people to know about it. And obviously if you look around you see a bunch of people coming here and I’m really impressed.
April Lewis-Parks, Consolidated Credit Financial Education Director: Hi, I’m here with Oscar from Broward College, who’s with Veterans Affairs.
Oscar Feliciano, Broward College Associate Director of Military and Veterans Affairs: Yes
April Lewis-Parks: Can you tell me a little bit about what you do?
Oscar Feliciano: We assist and help Veteran students coming to school, transitioning into the college atmosphere. We also assist them with all their benefits, getting their benefits at the school, GI Bill, as well as community services.
Thais R. Sullivan, Valley National Bank, Florida Division VP Regional CRA and Community Lending Officer: Well, you know, it’s not that it’s just a part of my job to make sure that the bank is meeting the needs of the community in which we operate and which we live and play, but it’s my desire to help anyone who’s interested in becoming a homeowner. I’ve done these for years, but this is the first one I can say the people kept coming and coming and coming.
Barnaby Robles, Wells Fargo Mortgage Branch Manager: What lenders look at is how you budget your money and make sure that you’re financially sound, that you can afford your mortgage payment. So, if you’re not working on a budget, get to a place like Consolidated Credit. Start to talk to them, start to track your expenses and get a budget, so you can figure out how you can own a home and stop renting. You work with someone who’s a professional and has the right, you know, tools and resources in place and it’s going to go pretty smooth.
Ed Kessner, MB Financial Bank, NA Branch Sales Manager: Is it a little bit more difficult to get a loan now than it was before? Absolutely, because there’s no stated-income loans there’s no no-income loans. But if you’re a professional and you know what you’re doing in the business, people are getting qualified and people are buying loans. You can finance a purchase at 97 percent as a first-time homebuyer. You can finance a purchase at 96 and a half percent with FHA, if you’ve owned a home in the last three years.
Gregory T. Gentille, SunTrust Mortgage Vice President, Producing Sales Manager: There are ways to improve your credit score, whether it’s paying down credit card debt, paying off collection accounts, avoiding a lot of credit inquiries on your credit report, and then as long as your credit score gets to 620 or higher, then you’re pretty much good to go.
April Lewis-Parks: Hi!
Juan C. Luna, Tropical Financial Credit Union, Partner Company Relations Director: Hey! How you doing?
April Lewis-Parks: I’m great! How are you?
Juan C. Luna: I’m sorry, I’m very excited. Being a not-for-profit organization allows us to be in the community engaged. We are more out, more engaged with the people who actually need our assistance, because as a credit union we want to [sic] everyone have the opportunity to grow.
Fair Attendee 1: I think it’s very informative and everybody needs to come out and get this information so that they can get what they need to do what they do to get their first time – to get their homes.
Fair Attendee 2: It’s very informative and, I mean, I’m really learning a lot of different stuff. It’s really nice. It’s really good.
Fair Attendee 3: There’s a lot of people with experience out here and it’s to my benefit, you know, to come out and learn from them.
Fair Attendee 4: We’ve learned more in an hour or two here than Google or everything else we’ve been trying.
Barry Rothman: So, what would be the best advice you would give to a prospective first-time homebuyer?
Evett M. Francis, Fannie Mae Community Access and Engagement: The first thing is get educated. Know before you buy. Have some money saved for down payment and emergency funds.
Michael Klick, Gibraltar Title, Inc. Director of Client Experience: We’re the last step of the process. When you’re done with us, we hand you the keys to your brand new home. So, we kind of help protect them, that the home that they’re purchasing is actually [what] they own.
Susan Kung, Broward County Appraiser Office Community Outreach Specialist: We just like to, you know, educate all the homebuyers – make sure they come out and apply for the homestead exemption.
Barry Rothman: You can never do enough research and the property appraiser’s website is there for you to use.
Steven Kelly, Florida Title & Trust, LLC Business Development Manager: After you’ve already got a contract on the house with the Realtor, you got a loan from the lender if there’s going to be a loan, we kind of come in and do the title work, do all the real estate law stuff that’s involved in a closing, and consummate the closing, give the keys to the new buyers.
Oscar Echverri, President of GAIA Construction, Inc: Inspection perspective and from the general contractor’s prospective, because you will always find issues that may help you obtain reduction on the price of the property that you get under contract.
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Free Webinars & Seminars
Consolidated Credit offers free online financial education webinars each month, hosted by our certified credit counseling team. We also provide live monthly, HUD-approved first-time homebuyer workshops at our home offices in Southeast Florida.
Profiles of Credit Counseling Success
We talk to clients and alumni of Consolidated Credit’s debt management program to learn how it helped them achieve stability. These stories show you’re not alone when it comes to facing challenges with debt. With the right help, you can overcome any obstacle to find relief.
Debt Consolidation in Action
Review case studies from real debt management program graduates to see how credit counseling helped them find debt relief through credit consolidation. Working with a certified credit counselor can reduce or eliminate interest charges and lower your monthly payments by 30-50%.
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Taking the first step to becoming debt free is easier than you think. We’re here to help you all the way. |
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Ask the Experts
Have a question? Our team of certified credit counselors and HUD-approved housing counselors can answer any question you have about your debt. Find answers to the most common questions we receive and ask your own question directly to our experts!
Financial Education Videos
Reading about finance may be a good way to build financial literacy, but it’s not always entertaining. Consolidated Credit’s Financial Education Videos let you learn about budgeting, debt and credit in a fast and fun way. Now you can watch your way to financial success!
Personal Finance Infographics
Infographics offer an easy visual way to understand complex personal finance topics. Find infographics that explain key financial processes like credit counseling and strategies to reduce debt. You can also how financial experts calculate things like interest rates and credit scores.
Money in the Military
Consolidated Credit offers specialized credit counseling for military Service Members, Veterans and military families. Whether you’re about to deploy and need to know how to handle your credit or you’re making the transition to civilian life, we help protect and ensure your financial freedom.
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We’ve helped over 6.5 million people eliminate debt with a Debt Management Program. Is this right for you? |
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In the Community
From serving as a member of the United Way Chairman’s Circle to supporting charities both locally and nationwide, Consolidated Credit is dedicated to promoting financial stability for those most vulnerable to today’s financial challenges. Learn about our latest efforts.
Corporate Financial Wellness
Consolidated Credit offers customized financial wellness programs for your business or organization. Help your employees, members or customers find financial success with a range of free resources, from interactive courses and calculators, to self-help guides.
Get more details on our customized solutions for businesses »
