Take Control of Your Financial Future with Debt Counseling

Understand your debt-to-income ratio, explore debt relief programs, and develop a plan to achieve financial freedom. We’ll walk you through every detail of your debt, identifying what's holding you back and guiding you to take control. By understanding your balances, interest rates, and repayment options, you'll be equipped to make confident financial moves. Start your journey to a debt-free future today!
Connect with a counselor800-431-8157

Explore the Best Ways to Resolve Your Debt

Structured Relief
with a DMP

By teaming up with our counselors, they will work with your creditors to lower interest rates and consolidate your debts into one monthly payment. A Debt Management Plan keeps you on track without new loans, helping reduce debt steadily and avoid late fees, making debt more manageable over time.

Modify Repayment
with Debt Settlement

Unlike a DMP, which consolidates payments with lowered interest, learn how a debt settlement negotiates a reduced balances with creditors. While we don’t offer settlement as a service, we provide insights to help you assess if it’s the right option for you.

Explore Bankruptcy
as a Fresh Start

When other options fall short, bankruptcy can offer a new start. We guide you through Chapter 7 or 13, explaining eligibility, impacts, and the steps to regain control. Our counselors ensure you understand if bankruptcy is the right choice to rebuild stability.

Build Your Path
to a Debt Free Life

Find Clarity,
‍Take Control of Your Debt

Debt counseling provides a clear overview of your financial obligations, helping you understand your debt-to-income ratio and prioritize repayment. With our guidance, you’ll gain control over your finances and make informed choices.

Create a Personalized Plan,
Reduce Your Debt Faster

Our experts work with you to develop a debt management plan tailored to your financial situation. By setting achievable goals and negotiating with creditors, you’ll reduce your debt steadily and effectively.

Access Resources,
‍Build Lasting Financial Habits

Gain tools and education on managing debt for the long term. Through workshops, blogs, and personalized advice, learn essential habits to maintain financial stability and prevent future debt challenges.
Connect with a counselor800-431-8157

Step-by-Step
Debt Counseling Process

Step 1:
Schedule Your Free
Debt Counseling Session

Start with a no-obligation consultation. We’ll evaluate your debt-to-income ratio, discuss your goals, and identify the best debt relief programs or debt management solutions for your situation.

Step 2:
Assess Your Debts
and Relief Options

We dive into your debt profile, exploring options like debt management programs, debt settlement, and emergency debt relief to determine the best approach for your financial goals.

Step 3:
Craft a Custom
Debt Relief Plan

Based on our assessment, we create a clear, actionable debt relief plan that suits your budget and lifestyle, helping you reduce debt and avoid bankruptcy where possible.

Step 4:
Equip Yourself with
Tools for Long-Term Success

With ongoing guidance, we provide tools to monitor and manage your debt effectively, supporting you in staying debt-free and financially secure.
Start Your Debt Free Life Today!
Connect with a counselor800-431-8157

See How We’ve Helped Clients
Overcome Debt Challenges

Our debt counseling has empowered thousands of clients to regain control of their finances, reduce debt, and achieve financial peace.
Begin Your
Debt Free Life Today!
Connect with a counselor800-431-8157
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Financial Tools Made
to Help You Reduce Debt

Armed with the right tools, managing and improving your credit becomes a seamless task. Effective budget counseling is key to credit health. Our resources and tools guide you in allocating funds wisely, reducing debts, and positively impacting your credit score.
Explore Our Resources

Debt Counseling FAQ's

What is Debt Counseling and How Much Does it Cost?

During debt counseling, a financial counselor will help you understand your financial situation, learn about your options, and make a plan to meet your financial goals. There is no cost. Debt counseling is free. Don’t wait to talk with a counselor. Call us at 1 (800) 431-8157. Monday - Friday 6:00 am – 6:00 pm Pacific

What is The Difference Between Credit Counseling and Debt Counseling?

Credit counseling focuses on a broader scope of credit management and financial education. This includes completing a comprehensive budget analysis, information about your credit report, debt management, and overall financial education. Debt Counseling also includes a comprehensive budget analysis but with more of a focus on debt resolution and management. Credit and debt counseling are free. Don’t wait to talk with a counselor. Call us at 1 (800) 431-8157. Monday - Friday 6:00 am – 6:00 pm Pacific

What if I Don't Have Time to Conduct a Counseling Session Right Now?

No problem. We can schedule an appointment for a more convenient time or you can call us back when you have time to talk.

What Will I Need For My Initial Counseling Session?

It will be helpful if you know how much you usually spend each month on living expenses such as utilities, food, gas, etc. We’ll also need to know how much money you and your spouse / financial partner bring home each month. You will also want to have your credit card statements available, so you have your credit card balances and payments on hand.

Dive Into Our Debt Blogs for Deeper Insights

What Is Debt Counseling
and How Can It Help You?

Understanding The Debt Counseling Process

When Should You Consider Debt Counseling?

Read more debt blogs
Credit.org is not a loan company. We do not loan / lend money.
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Credit.org is an independent nonprofit financial counseling agency and is not affiliated with any mortgage, lending or servicing provider. The content, links and resources in this site are presented for informational purposes only and should not be construed as legal or tax advice.

Credit.org is not a credit repair company.
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Credit.org does not offer credit repair services. Our focus is on providing educational resources, counseling, and support to help individuals improve their financial health and achieve their homeownership goals. We do not engage in activities that promise to remove or alter negative credit information from credit reports.
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