From Financial Stress to Financial Freedom

Whether you're battling sky-high interest and fees, struggling to make the minimums, way behind on payments, or just not sure what to do next, we provide proven solutions tailored to your life.

No pressure. Just answers.
Free Quote
Lower your payments, reduce financial stress, and take control with a clear, straightforward process
Request Your Free Quote
Just a few quick questions to see what your plan could look like. No pressure, no obligation.
See What We Can Do for You
We will review your information and show what your monthly payment could be, along with the interest savings, waived fees, and other benefits we expect from your creditors.
Explore Your Options With Us
You’ll have a clear view of all your options. We’ll walk you through each one, answer your questions, and help you choose the solution that truly fits your life.
Service

Debt Management Plan

Combine multiple debts into one simple monthly payment. Our nonprofit team works with your creditors to reduce interest rates, waive fees, and stop collection calls—so you can focus on your future.
Single, affordable monthly payment
Reduced interest rates and waived fees
Stop creditor and collection calls
Customized debt repayment plan
Service

Debt Settlement

In certain cases, if your debts are severely past due or charged off, our certified credit counselors can negotiate with creditors to settle for less than the full balance—often in combination with a debt management plan.
Negotiated lower payoffs for qualifying debts
Offered in specific cases of severe debt, only when appropriate
Often combined with debt management plan
Professional negotiation by certified counselors
Service

Hybrid  Approach

Our unique hybrid approach combines debt management and settlement into one customized plan. Severely delinquent debts may qualify for negotiated settlements at reduced balances, while current or slightly behind debts typically qualify for full repayment with lower interest, waived fees, and an end to collection calls—helping to protect your credit and peace of mind.
Custom-blended debt management & settlement
Tailored to your specific financial situation
Reduce debt faster and maximize savings
Designed by certified nonprofit credit counselors
Service

Debt Management Plan

Combine multiple debts into one simple monthly payment. Our nonprofit team works with your creditors to reduce interest rates, waive fees, and stop collection calls—so you can focus on your future.
Single, affordable monthly payment
Reduced interest rates and waived fees
Stop creditor and collection calls
Customized debt repayment plan
Service

Debt Settlement

In certain cases, if your debts are severely past due or charged off, our certified credit counselors can negotiate with creditors to settle for less than the full balance—often in combination with a debt management plan.
Negotiated lower payoffs for qualifying debts
Offered in specific cases of severe debt, only when appropriate
Often combined with debt management plan
Professional negotiation by certified counselors
Service

DualTrack Repayment Plan

Our unique hybrid plan combines debt management and settlement into one customized plan. Severely delinquent debts may qualify for negotiated settlements at reduced balances, while current or slightly behind debts typically qualify for full repayment with lower interest, waived fees, and an end to collection calls, helping to protect your credit and peace of mind.
Custom-blended debt management & settlement
Tailored to your specific financial situation
Reduce debt faster and maximize savings
Designed by certified nonprofit credit counselors

Not Sure Which Option Is Right For You?

Our certified credit counselors are here to help.