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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 $1.115 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

financial help that was...

good experience

THELMA D.

5 stars

Great

Easy-to-use

SAMUEL T.

4 stars

My husband passed away.

CCO helped me immensely. My husband passed away and had no life insurance. I needed...

TINA L BARNETT

5 stars

I HAVE FELT THE COMPANY...

I HAVE FELT THE COMPANY IS ADDRESSING MY NEEDS

STACY L.

5 stars

Consistent and thorough!

Consistent and thorough!

SH

5 stars

I’m almost done paying...

I’m almost done paying off all my high interest credit cards! Long but truly...

A happy customer

4 stars

Quickness

Nananananana

ETHEL J.

4 stars

It was easy to do my...

It was easy to do my only complaint is I wish I could see when the payments were...

BREANNA L.

5 stars

It was an easy process

It was an easy process. I talked to a representive right away and they were able to...

DIANE S.

5 stars

Consolidated Credit is...

customer service

JORGE S.

5 stars

Thank you this was an...

Thank you this was an easy process and kept me informed all the time be log in into...

MARIBEL V.

5 stars

Excellent service

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

JEFFREY K.

5 stars

Helping me to get out of...

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

JEANETTE WATSON

5 stars

Great Customer Service!

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

CAROL G.

5 stars

They are just helpful

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

Sharon Ellis

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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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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TIME

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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PARENTS

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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10th Annual Financial Literacy Breakfast

Recognizing Community Partners in 10th Annual National Financial Literacy Month Celebration

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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