Transform Debt into Financial Freedom Today

Facing financial hurdles?

Credit.org’s debt counseling provides the guidance and tools you need to tackle debt effectively. Specializing in comprehensive debt analysis and personalized strategies, we empower you with the knowledge and resources to manage your debts wisely. Start your journey to financial stability and peace of mind with our professional debt counseling experts.
Get Started Now1 (800) 431-8157
A stack of credit cards that represents the amount of credit cards that consumers have and the amount of credit card debt that many consumers a burden by.

What Can Our Debt Counseling Service Do For You?

Personalized Debt Analysis

Every debt situation is unique. Our debt counseling offers a personalized analysis of your debts, helping you understand your financial position and the steps needed for improvement.

Debt Management Strategies

Navigate your debts confidently with our tailored debt management strategies. Our debt counseling experts provide practical solutions to manage and reduce your debts effectively.

Counseling and Budgeting

Part of successful debt management is effective budgeting. Our debt counseling includes a comprehensive budget analysis to help you create and maintain a budget that works for your lifestyle.

Ongoing Support and Guidance

Your journey to debt freedom doesn't have to be a solo venture. Our debt counseling offers ongoing support and advice, guiding you every step of the way.
Woman looking over her credit card statements that contain the amount due and thinking if Credit.org is the perfect solution to her credit card debt problem.
Expertise in Various Debt Relief Solutions

Why Choose Credit.org’s Debt Counseling Service?

Benefit from our wide range of expertise in debt relief solutions. Our debt counselors are well-versed in various methods to tackle debt, from negotiation tactics to consolidation options.

Specialized Features of Our Debt Counseling

In-Depth Debt Review and Assessment

Get a comprehensive review of your debts with our debt counseling. We assess your overall debt situation and pinpoint areas for focus and improvement and tailor personalized solutions to help you achieve lasting financial well-being.

Personalized Debt Relief Strategies

Recognizing the unique nature of each individual's financial situation, our approach focuses on educating consumers about various debt relief options. We can facilitate enrollment into a debt management plan, which aims to provide you with a structured approach to managing your financial obligations.

Achieve Financial Relief and Control

Our debt counseling service aims to provide relief from financial stress. We equip you with the tools and knowledge to take control of your debts and work towards a more stable financial future.
Get Started Now
Unlock a Brighter, Debt-Free Future

Experience the Positive Impact of Professional Debt Counseling

With Credit.org’s debt counseling, experience a new way to manage your debt. We show you how to approach your debts proactively, armed with the right strategies and insights for a better financial future.
Read Our Success Stories
Couple sitting at the kitchen table with financial documents on top as they are reviewing their credit card debt amount or loan amount.
Credit.org's ecosystem of all the financial education, financial education, financial counseling, financial guides, financial videos, and virtual/ in-person courses.
Empower Your Debt Management Journey

Education and Resources

Our debt counseling extends beyond consultations.
We provide a range of resources and education designed to enhance your debt management skills and financial literacy.
Explore Our Resources

Debt Counseling Frequently Asked Questions

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.

Learn More About Debt Counseling

Our debt blogs offer you a wealth of information and educational resources, helping you deepen your understanding of debt management and financial stability.

What Is Debt Counseling
and How Can It Help You?

Learn More

Understanding The Debt
Counseling Process

Learn More

When Should You
Consider Debt Counseling?

Learn More
View Debt Blogs
Credit.org is not a loan company. We do not loan / lend money.
‍
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.
‍
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.
Copyright © Credit.org
About Us
Services and Resources