Virtual Counselor

Congratulations on taking the first step toward a debt-free life!

Use our simple online tool to understand your income, expenses, and where your money’s going.

Once you complete it, a certified credit counselor will walk you through your best options.

First Name

Last Name

Email Address

Phone Number

Debt Amount

The status of your payments?

Zip Code

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By providing my information above and clicking “Agree & Start your online budget now” below, I am affixing my electronic signature, governed by E-SIGN Act, and agree to give Consolidated Credit, a non-profit organization, my signed express prior written consent to contact me via phone, text, graphic, or image messages, or other electronic communication forms (including marketing calls and messages through autodialing, graphic, text, and pre-recorded messaging, AI generative voice, SMS, MMS, and E-mail), even if my telephone number is currently listed on any state or federal Do-Not-Call list. Msg. and data rates may apply, and I may opt out at any time by texting: STOP, QUIT, OPT-OUT, END, CANCEL, UNSUBSCRIBE, or REVOKE. For additional information, text HELP. I also consent to Terms of Use and Privacy Policy, and Arbitration Agreement. My consent is not required to obtain services from Consolidated Credit, and that I may call Consolidated Credit instead at (844) 276-1544.

E-Sign Disclosure

DISCLOSURE: For the Consumer’s convenience, this is a copy of the E-sign Act Disclosures included in the TCPA Disclosure located in the form you signed and submitted to Consolidated Credit in order that Consolidated Credit will contact you about Consolidated Credit’s services. Please be advised that the “Agree & Start your online budget now” button reference in this Copy is our template action button, and that the action button you pressed when submitting the form may contained a different acceptance language. Being that this is a copy of the E-Sign Act Disclosures, there is no action to be taken by you. You may print and save this form for your records.

Consent to Use of Electronic Records and Signatures

You have the opportunity to complete and sign documents, as well as receive notices and other documents related to your Submission Form and interaction with Consolidated Credit, in electronic rather than paper form. To agree to these uses of electronic documents and signatures, and to sign this document with the same effect as physically signing your name, click the "Agree & Start your online budget now" button on the bottom of the form on the page after reviewing the information below.

In order to sign, complete and receive documents electronically you will need the following:

A personal e-mail address
A computer or other device with standard e-mail software
Current version of Chrome, Firefox, Edge or Safari
A connection to the internet
A printer if you want to print paper copies

Alternatively, you may choose to contact Consolidated Credit, through a phone call, and you may submit any request for services through paper versions of the documents.

By clicking "Agree & Start your online budget now" on the bottom of the form on the page after reviewing the information herein, you consent to electronically sign, complete and receive documents relating to your application for information and interaction with Consolidated Credit, during both this session and any future sessions relating to this process. Additionally, you consent to electronically receive: communications relating to your application and interaction with Consolidated Credit, including requests for additional information; notices of actions taken required by law; and notices of your rights under applicable laws. Your consent applies to documents completed, signed or provided via this website, as well as to documents transmitted via email.

If your contact information changes, please update your information with Consolidated Credit, by contacting Consolidated Credit as provided below. Further, you have the right to withdraw your consent at any time by contacting Consolidated Credit. You may update your information or withdraw your consent by: calling Consolidated Credit, at 1-800-728-3632 by e-mailing at privacy@consolidatedcredit.org, or by writing to: 5701 West Sunrise Blvd, Fort Lauderdale, FL 33313

If you withdraw consent, you will no longer have the ability to sign documents electronically and to receive disclosures and other documents electronically. Your withdrawal of consent is prospective only and will become effective after we have had a reasonable opportunity to act upon it. After withdrawing your consent, please also contact the company representative who sent you this request to make arrangements to receive paper copies of documents and communications.

After consenting, you can obtain copies of documents and communications relating to your application and interaction with Consolidated Credit, by using your browser to print paper copies or save electronic copies of documents or screens during this session and future sessions.

I understand that by typing my name where indicated in the form, providing my email and phone number, and then clicking on "Agree & Start your online budget now", You consent to the use of electronic records and signatures in the manner described above, and the electronic storage of such documents.

Dear ##first_name##,

Congratulations on taking the first step toward a debt-free life!

E-Sign Disclosure