Certified Credit Counseling with a Focus on Financial Education

In 28 years, Consolidated Credit has helped over 10.2 million people find relief from credit card debt to achieve real financial stability

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

– Gary Herman

Credit card debt problems are running rampant in the U.S. today. Americans owe more than $950 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.

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.

  • 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 27 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: Knowledge of Financial EducationConsolidated 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.

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’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 »

Rebuilding Credit After Bankruptcy

If you've recently been in a situation where you had to file bankruptcy, it most likely did serious damage to your credit score. However, that damage is only temporary and you can rebuild quickly with the right strategy. Financial education director April Lewis-Parks talked to Bankrate about how to avoid common credit traps as you rebuild your score after bankruptcy.

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7 Ways To Retire With $1 Million

Many people don’t realize that by taking small financial steps they can turn their dreams of becoming a millionaire into a reality. Consolidated Credit’s Director of Education and Corporate Communications, April Lewis-Parks, gives Channel 3000 advice on how to retire with $1 million.

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How long can a debt collector pursue old debt?

April Lewis-Parks, Consolidated Credit's Director of Education and Corporate Communications, spoke with Bankrate about the importance of clearing debt early. “[They] can also attempt to find out where you work and garnish your wages…[and] try to find out where you bank too, and freeze your accounts,” explains Lewis-Parks as she describes what happens when you put off paying debt collectors.

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