We provide clear, unbiased, certified financial counseling nationwide. Helping individuals navigate credit card debt, personal loans, housing challenges, foreclosure assistance, bankruptcy, and become qualified renters or homeowners, always judgment-free.
We review your full financial picture and explain options that may reduce interest rates, lower monthly payments, and help you pay off debt faster. If appropriate, a Debt Management Plan can combine payments into one manageable amount.
Talking to a counselor does not impact your credit. If you enroll in a plan, there may be short-term changes, but many clients improve their scores over time with consistent payments.
No. You are never required to enroll. We provide guidance and options — you remain fully in control of your decision.
Yes. Federal law requires a credit counseling session before filing bankruptcy. We provide court-approved counseling and issue your certificate once completed.
Most sessions take about 60 minutes, depending on your situation. You can complete the course online at your own pace.
No. The counseling provides education about your financial options and required certification. You remain in control of your decision to file.
