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Start today with a FREE debt analysis and talk with one of our financial coaches. Together, we will:

  • Review your finances
  • Discuss debt relief options
  • Create an action plan


Manage your personal finances and improve your credit with our personalized, one-on-one Credit Coaching.


Speak with our Debt Coaches to review all your options and discuss the best strategies for getting out of debt.


Make your dream of homeownership a reality and prepare yourself and your finances for a mortgage with our Mortgage Readiness Coaching.

Our Mission is a non-profit organization formed in 1974 with a mission to provide consumers with the financial education and debt relief options needed to ensure they are on the right path to financial freedom. Our goal is to provide the financial tools, one step at a time, for our clients to achieve immediate solutions to their debt problems.

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Accredited by the Better Business Bureau (BBB). Since 1983, we have maintained our A+ rating with the Better Business Bureau and take it seriously.


The Council on Accreditation (COA). undergoes an extensive review process by an independent review group to make sure we provide the best possible nonprofit services to the community.


U.S. Department of Housing and Urban Development (HUD) approved housing counseling agency. To maintain this certification, we keep meticulous records and undergo regular audits.


Member of the National Foundation for Credit Counseling (NFCC). The National Foundation for Credit Counseling promotes the national agenda for financially responsible behavior, financial educations, and consumer credit counseling services.

EOUST is approved by the U.S. Department of Justice Executive Office for U.S. Trustees (EOUST) and the U.S. Bankruptcy Administrators of North Carolina and Alabama to provide mandatory pre-filing and post discharge bankruptcy counseling pursuant to the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005.


The United Way Inland Valley (UWIV) advocates for education, financial stability, and housing of every person in our community. is honored to receive annual support as an approved UWIV funded agency.

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Satisfied Clients

By taking advantage of our offerings, we have helped consumers reduce or eliminate their debt, improve their credit, and start reaping the benefits that come with improved financial stability.


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Working with one of our financial coaches will help you pay off debt faster and manage your personal finances more efficiently.


Financial Coaches

Our people improve the lives and financial well-being of individuals and families by providing quality financial education and coaching.

What you didn’t know about finances...

Ideas for New Year’s financial resolutions

7 Financial New Year’s Resolution Ideas to Help You Achieve Your Goals

Most of us will likely be happy to see 2020 come to an end. A new year represents a fresh start, where things should get better as the pandemic and lockdowns end, and the economy gets going again. But we shouldn’t put 2020 completely behind us. There were some important lessons we learned this year,…

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Holiday Blues: Dealing with Mental Health During the Holidays

For many, mental health and the holidays are closely related. 2020 has been a challenging year, and as it draws to a close, we want to urge everyone to have a mentally, physically and financially healthy holiday season. The COVID-19 pandemic continues, and the financial fallout from the lockdowns will live on into next year…

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How to Stop Getting Junk Mail and Opt Out

We’ve written about using the Do Not Call list and blocking unwanted phone calls, but did you know there are ways to prevent unwanted postal mail as well? It starts with opting out of prescreened offers. Prescreened credit and insurance offers: what’s good about them? Many companies “prescreen” consumers to make special offers. This is…

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