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Certified Credit Counseling with a Focus on Financial Education

In 30 years, Consolidated Credit has helped over 10.2 million people find relief from credit card debt to achieve real financial stability

Credit card debt problems are running rampant in the U.S. today. Americans owe more than $840 billion, and we just keep adding more every year. But the truth is that most people aren’t taking on debt because they’re irresponsible. These days, most credit card debt comes from challenges like lack of income, emergency expenses, and out-of-pocket medical bills.

That’s why we believe that solving people’s challenges with credit card debt today requires more than just a program that can help them become debt-free. True financial stability takes education and application, and that’s what we help our customers do. Consolidated Credit is one of the nation’s largest nonprofit credit counseling agencies and we’ve spent over a quarter of a century helping people find financial freedom.

Consolidated Credit’s mission: To assist families throughout the United States to end financial crises and solve money management issues through education and professional counseling.

“Without financial education, financial stability is just a dream,”

Gary Herman, President of consolidated credit
5 stars

Excellent service

All my dealings have been completed timely and Consolidated Credit had represented


5 stars

Helping me to get out of...

Helping me to get out of debt,with low payment. Thanks for your support 🙏🦋😊


5 stars

Great Customer Service!

So far everything is great. I had an issue but Consolidated Credit handle it in a...


5 stars

They are just helpful

They are just helpful, polite and seem to care about you

Sharon Ellis

5 stars

Professional and...

Professional and courteous representatives.


5 stars

CCS is a great Company!

CCS is a great Company! They are supportive, comforting and a big help in getting my...

Renee Monroe

5 stars

Great Company so far

We are new with this company. So far the best thing is the way they keep in constant...


5 stars

Great Company

Great I would recommend this company


5 stars

The Agent was patient...

The Agent was patient and very helpful


5 stars

Very Friendly

The consultant I spoke with, Jason, was extremely friendly and non-judgemental. The...


4 stars


Courtesy, they are very helpful, and they are very trained about the lenders process...


5 stars

Very nice and good.

Very helpful customer service. I'm lucky to have this access.


5 stars

Craig Mednick listened...

Craig Mednick listened very well and pleasantly as I described my situation. He then...

Viola Magsisi

5 stars


The team was extremely patient and supportive. They created an extremely manageable...


5 stars

Quick response time and...

Quick response time and very helpful.


5 stars

We're grateful.

We're grateful.


Showing our 4 and 5 star ratings


If you need immediate assistance, please visit our Contact page to find the phone number for the department that can help you.

Advocating for consumers since 1993

It’s our job to be advocates for every client we work with. We’re not here to judge. We’re here to help our clients become debt-free, by being a negotiator and a liaison with their creditors and a support system if they run into any trouble. That’s our core philosophy. We’re constantly looking for new ways to help people find better ways to deal with their debt, credit and money.

As the nation’s largest nonprofit credit counseling agency, Consolidated Credit has counseled over 10 million people who have faced challenges with credit card debt. We continue to be a leader in financial education, providing over 300 hours of education through workshops, webinars, and wellness fairs each year.

In 2008 when the housing market collapsed, we added a housing counseling department to help homeowners find solutions to avoid foreclosure. Our director worked with HUD and the FHA to establish programs like the Florida Hardest Hit Fund to help people avoid foreclosure, in spite of the high unemployment rates brought on by the Great Recession.

Financial education partnerships

Consolidated Credit is proud that we’ve partnered with over 500 nonprofit organizations, municipal groups, and government agencies to bring financial education to the people who need it most. We work with organizations like the United Way to help low-income families learn the skills they need to become financially stable. These partnerships allow us to provide financial literacy education to the underserved communities that need it most.

[On-screen text] United Way of Broward County
Kathleen Cannon, United Way of Broward County CEO: I would definitely recommend somebody to Consolidated Credit. Folks get into a great deal of difficulty with debt. So, they start charging on their credit cards, they’re overextended and that they don’t realize how long it really takes to get out of that predicament.
So, Consolidated Credit is one of the things, that you really come in and help people move past their debt. United Way, we work with our funded partners, our other nonprofits and often what we do is work with those organizations to bring Consolidated Credit in, so that Consolidated Credit can do seminars and workshops with the staff of those agencies.
And we have found that all of our partners working in nonprofit, we’re so busy taking care of clients and consumers and the community that sometimes we forget about taking care of ourselves. I know folks who have been tumbling out of control. It’s one call and they felt better. They came in, they met with people and worked through the coaching and really got great assistance. And I know that those folks have referred people as well.
If together we can work with our residents who are struggling, those residents will eventually become financially stable, will be consumers of service, will open businesses, will be blossoming and blooming. So, the synergy between United Way and Consolidated Credit is really community oriented.

  • S. Army OneSource and the Department of Defense at Southern Command work closely with Consolidated Credit provide financial education outreach to military Service Members and Veterans.
  • Our staff works closely with Junior Achievement local school districts in South Florida to provide financial education to youth.
  • We host and attend over 300 workshops and wellness fairs each year and offer free monthly webinars that cover a variety of financial topics.

Learn more about our partnerships and outreach »

Why we focus on financial education

What we’ve learned in 30 years of credit counseling is that most financial challenges are rooted in the same thing. Most of us never learned about personal finance and how to make good, strategic decisions with our money when we were young. As a result, we all basically learn by trial and error. But financial errors cost people their money, their credit and the years it can take to recover.

So, while Consolidated Credit’s debt management program can help people get out of debt, the key to helping them stay that way is financial education. By learning how to budget, save, break credit dependence, and set achievable goals, people can meet the financial challenges they face.

We also strive to make financial education as fun, easy and as engaging as possible. From personal finance tips on people’s favorite social networks, to contests that give you a little incentive to learn.

Get details on Consolidated Credit’s latest contests »

Fostering financial wellness in the workplace

KOFE logo

Consolidated Credit created the Financial Wellness in the Workplace program to help employers provide financial education to their employees. From simple self-help publication libraries in office buildings, this program evolved into a full-scale benefits platform known as KOFE (Knowledge of Financial Education).

KOFE takes a three-prong approach to building financial literacy. It’s the same strategy we use to help our members. Through a combination of online resources, classroom learning, and one-on-one coaching, anyone can learn how to manage their money effectively. Today, KOFE is used by private corporations, municipal agencies, school districts, financial institutions, and insurers to help their employees, members, constituents, and customers learn how to achieve and maintain long-term financial stability.

Learn more about KOFE »

Meet our team

Our leadership team collectively has over a century of experience in helping people achieve freedom from debt while building financial literacy. Click on the pictures below to learn more about each member.

Gary Herman

Gary S. Herman

Brenda Horner

Brenda D. Horner
Director of Operations

Ivan Rezvoy

Ivan Rezvoy
Chief Financial Officer (CFO)

April Lewis-Parks

April Lewis-Parks
Director of
Financial Education

Ron Librea

Ron Librea
Director of
Trust Services

Sandra Tobon

Sandra Tobon
Director of Housing Counseling & Community Outreach

Giovanna Gilliotti

Giovanna Gilliotti
Community Outreach

Beatriz Hartman

Beatriz Hartman
KOFE Business
Engagement Manager

Ana Maria Ceballos

Ana Maria Ceballos
KOFE Relationship

Financial Advisory Council

Consolidated Credit is proud to announce the inception of our Financial Advisory Council. Comprised of some of the top financial literacy advocates in South Florida, our collective aim is the advocation of financial literacy. Get to know just a few of the members who make it possible.

Introducing Consolidated Credit’s Financial Advisory Council »

Certified credit counselors

All of Consolidated Credit’s credit counselors are certified debt management professionals that maintain a strict code of ethics. When people first contact us, they work one-on-one with a member of this team to find the right solution and set up a budget.

Get to know Consolidated Credit’s counselors »

Client services representatives that really care

Once someone enrolls in a debt management program, our client services representatives (CSRs) are here to make sure everything goes smoothly. They answer questions and help members stay on track.

Meet Consolidated Credit’s client services team »

HUD-approved housing counselors

From helping first-time homebuyers overcome the hurdles of achieving home ownership, to helping homeowners avoid foreclosure and understand their equity, our HUD-approved housing counseling team helps people secure their part of the American Dream.

Learn more about our housing counselors »

Want to join the Consolidated Credit team? Send your resume to [email protected] or apply to be a CSR online now!

Learn more about career opportunities with Consolidated Credit »

Consolidated Credit in the Media

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Sandra Tobon, Director Of Housing Counseling & Community Outreach For Consolidated Credit Elected To Community Reinvestment Alliance Of Florida Board

March 19, 2024

“Representing Consolidated Credit on the Board of the Community Reinvestment Alliance of Florida is an esteemed honor. The Board’s mission perfectly aligns with our commit…

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Defaulting on a Loan Can Have Serious Consequences, but You Have Options to Avoid Default. Here’s How to Take Action

February 3, 2022

Although missing or being late on a payment for your loan can have serious consequences, “lenders are willing to work with people, so you shouldn’t be afraid to reach out,…

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Why I Budget for the Holidays on January 1

December 21, 2021

While charging holiday expenses on a credit card is nothing new for many Americans, in fact a 2020 survey by Consolidated Credit found that 30% of people use their credit card…

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Consolidated Credit Press Center

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Consolidated Credit Reveals Vacation Hacks: Enjoy a Debt-Free, Budget-Friendly Getaway this Summer

May 22, 2024

May 22, 2024 – Fort Lauderdale, FL – Consolidated Credit, a leading nonprofit financial education and counseling organization, shares summer planning tips that help consum…

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Consolidated Credit Hosts the 10th Annual National Financial Literacy Month Celebration, Recognizing Community Partners, and Educational Advancements

March 29, 2024

Fort Lauderdale, FL, March 25, 2024 – Consolidated Credit, a leading financial education and counseling organization with a legacy of empowering individuals to overcome debt s…

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Consolidated Credit Launches Free Webinar Series to Empower Individuals During Challenging Economic Climate

March 28, 2024

March 27, 2024 -Fort Lauderdale, Fla –Consolidated Credit wants consumers to spring forward into a new season of learning. The focus is on improving fiscal futures through ed…

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