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

You cannot put a price...

You cannot put a price on peace of mind

VALERIE H.

5 stars

Very Helpful and nice

This company was very open and helpful. I was listened to and my needs were met....

AMANDA JEAN B.

5 stars

Huge help in paying my...

They are a great help

SUSANNE REGALADO

5 stars

Communication is great.

Communication is great.

Cheryl

5 stars

Good response time and...

Good response time and very good service.

DAVIES/GLYN

5 stars

Agents are very...

Agents are very understanding. Very helpful in helping us to understand how it...

JOHN F.

5 stars

Ten out of ten customer...

Anna was super helpful,kind and considerate throught out the entire call. Please...

Amber Brown

5 stars

Good

I have no comment at this time

LORI H.

5 stars

Has help me alot

Real friendly are always there to help and this program has help me alot

ARLENE H.

5 stars

This Can Help Anyone...

From my initial interaction with Alan, I knew this was going to be a huge help. So...

Big Train Watt

5 stars

A Relief!

Easy, Communicative - customer service answered all questions and now that I'm in...

customer

5 stars

Great customer service

Helped me with all my doubts

CONNIE C.

5 stars

This company saved me...

This company saved me from filing for bankruptcy. I have let everyone know about...

ARMELINDA A.

5 stars

To the point

To the point, clear, concise, and effective. How business should be handled.

ADAM CHRISTOPHER M.

5 stars

Never a problem.

Never a problem.

Julietta

5 stars

Kindness and loyalty for...

Kindness and loyalty for assisting as .is a lot to me...make my debt free in...

Jessielyn

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

GO Banking Rates Logo

Why Sale Prices Aren’t Guarantees You’ll Save Money, According To Experts

June 4, 2025

“Sales can work against you when you buy on emotion, especially if the deal feels ‘too good to pass up,’” said April Lewis-Parks, communications and public relations dir…

Read More

CardRatings logo

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…

Read More

NextAvenue logo

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…

Read More

Consolidated Credit Press Center

Consolidated Credit-Summer-Spending-Spree

Summer Spending Spree: How to Avoid Financial Pitfalls During Peak Season

July 30, 2025

FORT LAUDERDALE, FL – July 30, 2025 – With record-breaking heat waves sweeping across much of the U.S., many Americans are feeling the pressure—not just from soaring tem…

Read More

CCUS – HHCC -July 2025

Consolidated Credit and the Hispanic Heritage Chamber of Commerce Collaborate to Strengthen Growth of Hispanic Business Community

July 18, 2025

Fort Lauderdale, FL – July 18, 2025 – Consolidated Credit, a leading financial education and counseling organization, and the Hispanic Heritage Chamber of Commerce (HHCC), a…

Read More

LifeNet4Families logo

Consolidated Credit and Community Partner LifeNet4Families Host Final Workshop in Series

July 17, 2025

Fort Lauderdale, FL – July 17, 2025 – Consolidated Credit, a leading financial education and counseling organization, together with Lifenet4Families, hosted their final work…

Read More