How Serious is My Debt?
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You can’t fix what you don’t face, but the sooner you understand your debt, the sooner you can take control. This quick quiz gives you a clear picture of your situation and helps you map out the right steps forward.
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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.
Hybrid
Approach
Our unique hybrid 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.
