Credit Counseling

Credit offers credit counseling that educates consumers about how to repay their debts and better manage their personal finances. This one-on-one counseling is customized to the client’s unique situation.

Learn more about Credit Counseling

Debt Management Plan

Debt Management IconAt, we offer a risk-free way to consolidate credit card debt payments. We work with your creditors to come up with a more suitable monthly payment for your unique situation.

Learn more about Debt Management Plans

Additional Services

Bankruptcy Counseling and Debtor Education

Bankruptcy is approved by the Executive Office for U.S. Trustees (EOUST) with Bankruptcy Counselors available to assist you. Providing authorized pre-bankruptcy counseling, debtor educations and certificates. For direct assistance call (888) 425-3453.


Housing Counseling and Foreclosure Prevention

Housing IconWhether you’re looking into home ownership for the first time, having trouble with your housing expenses, or have fallen behind on your mortgage payments, we can help. is qualified to assist you with a wide variety of housing issues. For direct assistance call (800) 294-3896.


Reverse Mortgage Counseling

Reverse Mortgage IconA Reverse Mortgage can assist in providing a tax free cash flow to eligible homeowners, 62 years of age or older. A Reverse Mortgage allows homeowners access to money that they have built up as equity in their homes. For direct assistance call (800) 294-3896.



HELOC IconIf your home equity line of credit has or is about to reset causing your mortgage payments to increase, there may be government programs or mortgage relief options available to you! As a HUD-approved housing counseling agency, offers FREE one-on-one assistance if you are facing a financial hardship from a HELOC reset. When you call, your counselor will help determine which mortgage relief programs you quality for and then help you apply for them.


HAMP Resets

HAMP offers FREE one-on-one assistance if you are facing a financial hardship from or have questions about your HAMP Modification Reset. Your certified counselor will help determine which mortgage relief programs you quality for, help you apply for them, and review your new budget.


Student Loan

Student Loan helps individuals with student loan debt find the right repayment solution. Our counselors will evaluate each person’s situation, and will walk them though the process step-by-step. No obligation, just trustworthy and impartial advice.


Homebuyer Education

HBE’s Homebuyer Education course will help you make good decisions when buying a home. It’s approved by HUD, Freddie Mac and Fannie Mae, and can qualify you for savings on the cost of FHA mortgage insurance as well as other first-time homebuyer assistance program.

See Our Upcoming Home Buyer Workshops

Rental Counseling

Rental Counseling IconA certified counselor will spend the time to ensure renters know their rights and responsibilities, understand contract leases, develop personalized budgets, how to calculate an affordable rental payment, reducing debt, and increasing usable income.