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

Good very good

Good very good

WILBERT G.

5 stars

Personable service

Personable service

Audra Brown

5 stars

Great service

Great service, friendly, patient and knowledgeable staff!

Francesca

5 stars

I have always had...

I have always had positive experiences from the time of having this agency assist...

Mary D

5 stars

These people are great...

These people are great always helpful. They all deserve a raise

TOM M.

5 stars

Love the company

So far, everything has worked very smoothly. all ofmy questions have been answered.

LEIGH CROMLEIGH

5 stars

FIRST CHOICE FOR DEBT...

They are so consistent and helpful. User friendly and sadly I had to work with them...

NICHOLE C.

5 stars

John review

My consultant was very helpful, she helped me find the card web sites and my balance...

John H.

5 stars

Satisfaction

Always on top of my clients that I am paying off

Kimberly

5 stars

The payments were...

The payments were settled quickly with my creditors. I liked that I was not told I...

JOSEPH H.

5 stars

Much appreciation for...

Much appreciation for the quality care I am receiving during my financial hardship...

Ranae

5 stars

Excellent

Helped with my debt and lower interest rates

Gabriel Letennier

5 stars

Getting me out debt

Getting me out debt

NONA LINDSEY

5 stars

I have not had any...

I have not had any worries

Tracy Decker

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.

Showing our 4 and 5 star ratings

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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

Giovanna Gilliotti

Giovanna Gilliotti
Community Outreach
Manager

Sandra Tobon

Sandra Tobon
Director of Housing Counseling & Community Outreach

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 jobs@consolidatedcredit.org 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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6 Mistakes That Make Your Credit Card Debt Cost More

September 30, 2025

“You might be eligible for programs that can get you out of debt for good, but if nothing else, you hang up the phone with a complete budget of everything you earn and spend,”…

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I’m a Financial Expert: This Is the Biggest Danger to Your Paycheck

September 16, 2025

“When you don’t set up automatic bill payments or transfers into savings, you’re relying on willpower and memory to stay consistent,” she said. “Life gets busy, you …

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Your Money This Week: What Just Happened and What to Do Next

August 15, 2025

“More people are behind or juggling than those who are current. Without intervention, those balances will tip over into default,”…

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Consolidated Credit Press Center

Broward SCORE

Consolidated Credit And SCORE Broward Hold Panel Discussion Focused On Spanish-Speaking Small Business Owners and Startups

September 20, 2025

Fort Lauderdale, FL – September 20, 2025 – Consolidated Credit, a leading nonprofit financial education and counseling organization partnered with SCORE Broward, a volunteer…

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Consolidated Credit and Community Partner LifeNet4Families Educate On Identity Theft

September 18, 2025

Fort Lauderdale, FL – September 18, 2025 – Consolidated Credit, a leading financial education and counseling organization, hosted more than a dozen beneficiaries of LifeNet4…

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CCUS United Way of Broward Conversemos entre Mujeres event

Consolidated Credit Proudly Joins as Partner Resource for United Way of Broward Conversemos entre Mujeres

August 22, 2025

Fort Lauderdale, FL – August 22, 2025 – Consolidated Credit, a leading financial education counseling organization proudly joined as a partner resource for the United Way of…

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