Certified Credit Counseling with a Focus on Financial Education

Since 1993, 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 $1.166 trillion, and we keep adding more every year. The truth is that most people aren’t taking on debt because they’re irresponsible. 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 debt challenges 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

Highly Recommend

Great results

JACQUELINE G.

5 stars

They took care of it

I was lucky that a lender passed my info to Consolidated once they determined they...

NICHOLAS K.

5 stars

Above and beyond

When ever I speak to anyone including on this call they are very educated and make...

Autumn Wise

5 stars

I had too many debts...

I had too many debts when I retired was not able to cover all the payments I dint...

ELBA P.

5 stars

It was easy and simple...

It was easy and simple and explained very well by the representative that helped me....

BLAIN P.

5 stars

The best at what they do!

The best at what they do!

JOHN R.

5 stars

It is nice to be able to...

It is nice to be able to afford the drafts done at a lower interest rate and see my...

MARY L.

5 stars

Staff are very helpful...

Staff are very helpful and kind.

Jay C

5 stars

I was deep in credit...

I was deep in credit card debt and Consolidated Credit helped me to pay off my...

GENISE S.

5 stars

Great service.

Great service.

MORRIS B.

5 stars

Honestly they are the...

Honestly they are the best! Saved so much on interest and lowered my monthly...

THE BEST

4 stars

Make a change or you...

They work with you to help you.

Aaron Green

5 stars

Great Customer Service

I just spoke to a representative this afternoon about an issue regarding a creditor...

Rae

5 stars

Very knowledgeable and...

Very knowledgeable and helpful

Jory T.

Showing our 4 and 5 star ratings

Trustpilot

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

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
President

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
Manager

Beatriz Hartman

Beatriz Hartman
KOFE Business
Engagement Manager

Ana Maria Ceballos

Ana Maria Ceballos
KOFE Relationship
Manager

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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What to know before going to credit counseling

January 21, 2025

“The moment your credit card debt and monthly bills start to feel like a weight you can’t carry, it’s time to take action,” she says. “Don’t wait until you’re in…

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How To Decide if Debt Consolidation Is for You

November 19, 2024

“Making a balance transfer can be a great tool for managing debt,” says April Lewis-Parks, director of financial education at Consolidated Credit. “One of the main benefits is…

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9 Ways you’re wasting money at the supermarket

November 13, 2024

A surefire way to overspend at the grocery store is to go without a shopping list. That causes “one of the biggest budget leaks,” says April Lewis-Parks, director of finan…

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Consolidated Credit Supports First-Time Homebuyers at Tamarac’s Purchase Assistance Information Session

March 18, 2025

Fort Lauderdale, FL – March 11, 2025 – Consolidated Credit, a nationally recognized financial education and counseling organization and HUD-approved housing counseling age…

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The Hispanic Community in the U.S. Prioritizes Eliminating Debt in 2025

February 28, 2025

Empowering Financial Freedom: Key Trends and Strategies for U.S. Hispanics in 2025 Fort Lauderdale, FL – February 25, 2025 – Consolidated Credit has released the results …

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Financial Aftermath of California Fires Leave Many Struggling to Recover and Unsure About Their Future

January 23, 2025

FORT LAUDERDALE, Fla., Jan. 23, 2025 – The devastating impact of the California wildfires has left many families dealing with homelessness and profound financial stress.&nbs…

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