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We’ve been helping people conquer debt—with compassion and credibility—for over 25 years. We’re one of the largest nonprofit Debt Management organizations in the country, licensed and trusted by hundreds of thousands of individuals and families who’ve walked the same road you’re on now. We’re not just legitimate; we’re held to some of the highest standards in the industry:
We make getting help easy and accessible, with flexible payment options (Autopay, online, by phone, or by mail), 24/7 online account access, and digital statements delivered straight to your inbox. But what really sets us apart? Our people. We don’t use scripts. Our counselors take the time to listen (really listen) to your situation and walk you through real solutions that make sense for your life. Many of us have been through financial hardship ourselves, and we know how overwhelming it can feel. When you talk to us, you’re not just another account. You’re a person with a strong future and we’re here to help you reach it. Take a look at our client reviews, check out our management page to learn more about us, or get started with a free quote now!
Yes! We are a nonprofit agency, licensed and approved to provide credit counseling services. Being a nonprofit means we’re not in this to profit off your debt. Our mission is to provide honest, practical help that empowers you to become debt-free—and stay that way.
We can help with most types of unsecured debt, including: Credit cards, Medical bills, Payday loans, Unsecured Personal loans, and Collection accounts. We cannot include secured debts like mortgages or most auto loans in a Debt Management Plan, but we’re happy to review your full situation and help you make a plan.
That’s exactly what our program is designed to help with! We work with your creditors to lower your interest rates, often down to single digits, and stop ongoing late fees, over-limit charges, and other penalties. By consolidating your unsecured debts into one affordable monthly payment and reducing the interest, more of your money goes toward actually paying down the balance instead of just chipping away at interest. That means faster progress and real savings over time. Every creditor is different, but we’ll let you know what kinds of concessions you should qualify for when you receive your free quote.
Not at all! If you prefer to handle everything online, you absolutely can. Many of our clients complete the entire process, from getting a quote to enrolling, without ever picking up the phone. Of course, if you’d like to speak with someone, our certified credit counselors are happy to help by phone, text, or email. We’re here to support you in whatever way works best for you!
Yes. Your information is kept private and secure, and we will never sell, rent or give your name or address to any party for any promotional reason or share any personal details without your consent. We’re licensed and audited regularly, and we take data security very seriously. If you want to keep your enrollment private from a partner or family member, we’re happy to set things up accordingly. You’re in control of what you share and with whom.
Most people finish the program in 3 to 5 years, but the exact timeline depends on how much debt you have, how much you can afford to pay each month, and how your creditors structure their repayment terms. We’ll give you a clear estimate up front, and you can view your progress anytime in your online account. If you want to complete your debt management program faster, we’ll help you build a plan to do just that.
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