Thank You – Your Application Has Been Received!
We are now reviewing your information and will begin preparing your personalized financial action plan and debt consolidation quote.
Next Step:
To help you and your credit counselor create a plan that works for you, please take a few minutes to complete the household budget form below. It usually takes less than 5 minutes, and you can save your progress if you need to come back to it later.
If now isn’t a good time, that’s okay. We just want to make sure you have a clear sense of what you can afford before moving forward with a consolidation plan, so you’re set up for success from the start.
To help you and your credit counselor create a plan that works for you, please take a few minutes to complete the household budget form below. It usually takes less than 5 minutes, and you can save your progress if you need to come back to it later.
If now isn’t a good time, that’s okay. We just want to make sure you have a clear sense of what you can afford before moving forward with a consolidation plan, so you’re set up for success from the start.
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Our services
Looking for our services?
Debt
Management Plan
Combine multiple debts into one affordable monthly payment. Our nonprofit credit counselors negotiate directly with your creditors to lower interest rates, waive fees, and stop collection calls—so you can confidently move forward.
Debt
Settlement
In certain cases where debts are significantly past due or charged off, we may recommend debt settlement. Our counselors negotiate with creditors to accept less than your full balance, typically through affordable monthly payments.
DualTrack Repayment Plan
Our unique approach combines debt management and settlement into one customized plan. Severely delinquent accounts may qualify for settlement at a reduced payoff. Current or less-delinquent debts can typically be managed through full repayment with lower interest rates, waived fees, and no collection calls, protecting your credit and your peace of mind.
