Community: Credit Card Management, Counselor, Financial Counseling

Company Profile

Our Services

Personal Finance Education

Housing Counseling

Bankruptcy Counseling

Financial Education

Frequently Asked Questions

Debthelper.com is dedicated to giving consumers the counseling and skills needed to live a financially balanced life.

Debthelper.com believes that every free workshop and seminar we offer and all counseling we provide is an achievement.

Debthelper.com is proud to serve as a host agency for the Senior Community Service Employment Program (SCSEP). The Senior Community Service Employment Program (SCSEP) is a community service and work based training program for older workers. It was authorized by Congress in Title V of the Older Americans Act of 1965 to provide subsidized, part-time, community service work based training for low-income persons age 55 or older who have poor employment prospects. Through this program, older workers have access to the SCSEP services as well as other employment assistance available through the One-Stop Career Centers of the workforce investment system.

Free Foreclosure Workshop on July 17 2010 at Marry Immaculate Church West Palm Beach Hosted by Debthelper.com. Call 800-920-2262 for more information.

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Ongoing Programming

In addition to our group education seminars, Debthelper.com has increased our activity within the state and local corrections systems and other organizations and continued our partnership with Consumer Action in order to train our outreach workers in all the latest knowledge in financial education.

Portions of funds received from grant makers assist to advance our educational outreach programs. Debthelper.com is currently working with the Governor's Financial Literacy Council to help fund our Department of Corrections work plan which has been endorsed by the Region IV Dept of Corrections Transitional Program Director. The program provides education of near release inmates and increases their knowledge and aptitude for financial literacy after their release.

Post purchase homebuyers counseling

In this seminar Debthelper.com teaches students how to make the smart financial choices regarding various needs and wants in the early stages of homeownership. Students will learn about simple home repair, how to budget and save for short and long term goals and how to set and maintain financial goals.

Earthquake Relief for Haiti

In an effort to help those who have been affected by the earthquake in Haiti, and their continuing tragedies, Credit Card Management Services, Inc. d.b.a Debthelper.com is now a collection center to help those in need.

Your gift will help distribute relief supplies to children and families impacted by the earthquake and aftershocks in Haiti.

Anything you are willing to provide will be greatly appreciated and invaluable to the families you will be helping. The immediate need is dry foods such as rice, beans, can foods, tents and army type cots, blankets and medical supplies.

Where: 4611 Okeechobee Blvd. Suite 114 WPB, FL 33417
Time: Mon - Fri: 9:00am - 8pm; Sat: 12:00pm - 5:00pm
Information: (561) 472-8000

Mrs. Claudia Fehribach, a Debthelper.com FHA Roster Reverse Mortgage Counselor and Certified Personal Finance Counselor, was a guest speaker at a presentation on Reverse Mortgage Loans (Home Equity Conversion Mortgages or HECM) Saturday, December 12, 2009 at the Unitarian Universalist Fellowship in Boca Raton. The presentation was entitled: "Why HECM? The Importance of Counseling"

The program was sponsored by Financial Freedom for members of the National Organization for Women (NOW). Approximately, thirty-five women attended the four hour program. According to Fehribach, the women had numerous questions regarding the government's reverse mortgage loan program for senior citizens 62 and over. One member of the audience actually had done a Reverse Mortgage some time ago and mentioned that the loan had improved her financial situation dramatically.

Fehribach also fielded a number of questions regarding debt management programs that save consumers money on their credit card bills. Financial Freedom sponsors similar programs throughout the year. Debthelper.com provided a Fehribach as a guest speaker to offer free financial education at no charge.

On Thursday, December 3, 2009, Debthelper.com counselors, Mr. Mohan Lalwani, Mr. Scott Anderson, Mr. Carlos Llerena and Mr. Andrew Bernstein travelled to the Wyndham Orlando Resort to participate in the "Help for Homeowners Community Event". This event is a national multi-city tour that is part of the Obama Administration's Making Home Affordable program. It was designed to assist the hundreds of consumers attending and facing possible foreclosure, as well as, seeking advice from the dozens of lenders, loan servicers and counseling organizations who were present.

The Modification program has helped more than 650,000 consumers nationwide, while seeking to stabilize the housing market and provide relief to struggling homeowners. There are a number of additional events taking place in 2010 in Florida alone, which will assist many additional homeowners.

The counselors from Debthelper.com were active all day with potential clients and in general found the day exceptionally rewarding. "It was a long day, but seeing the hope on consumers' faces after providing the counseling was well worth the time spent," commented Mr. Bernstein, who also serves as Debthelper.com Community Outreach Education Counselor.

On Thursday, November 19, 2009, Debthelper.com counselors, Mr. Scott Anderson, and Mr. Carlos Llerena travelled to Jacksonville, Florida to participate in the Foreclosure Prevention workshop hosted by NeighborWorks America and Hope Now. This event is a national multi-city tour that is part of the Obama Administration's Making Home Affordable program. It was designed to assist the hundreds of consumers attending and facing possible foreclosure, as well as, seeking advice from the dozens of lenders and loan servicers who were present. Click Here

Debthelper.com Foreclosure Counselors participated in the Lake Worth Chamber of Commerce's HispanicFest on Saturday, October 17, 2009 HispanicFest in Lake Worth is Palm Beach County's largest Hispanic celebration. Occurring during the celebration of Hispanic Heritage month, HispanicFest combines the rich tradition of native Hispanic dance, children's activities, contemporary arts, music and food. HispanicFest is entertainment enjoyed by all ages and ethnic backgrounds. For more information visit their site at www.lwchamber.com

Expansion

Debthelper.com is expanding our existing outreach program to the Glades and Pahokee communities through our partnership with New Hope Charities. There we will begin financial literacy programs for both students and their parents within the region.

Warriors Of Children's Ward Help Sick Kids

Credit Card Management Services, Inc supports Little Smiles is a local 501c3 charitable organization established by our mutual Founder, Mr. Paul L. Donohue. Little Smiles strives to fulfill the needs for children in local hospitals, hospices and shelters with toys, games, videos, computers, outings, special events, limousine transportation, concert and sporting event tickets, specialty dinners and celebrity meet and greets and more. Click here to view one of their ongoing program activities...

2009: DebtHelper.com Counselor Speaks at Wellington Chamber of Commerce Luncheon

Wellington Chamber of Commerce
April 29th Luncheon
"Debt Management for the Small Business Owner"
How debt(s) affect business and the individual

* Determine where you want to be and how you get there
INTERACTIVE * OPEN FORUM * QUESTIONS WELCOMED !!!

WEDNESDAY, April 29th, 2009
BINKS FOREST GOLF CLUB
400 BINKS FOREST DRIVE
12 NOON SHARP !

$ 20.00 CHAMBER MEMBERS WITH RSVP
$ 25.00 CHAMBER MEMBERS WITHOUT RSVP
$ 30.00 NON MEMBERS AND GENERAL PUBLIC
" ITALIAN EXTRAVANGANZA" THEMED MENU!!

FEATURED SPEAKER:
Andrew Bernstein, Certified Senior Credit Counselor
Since 1990, Mr. Andrew Bernstein has been providing financial education services to various businesses. Along with training staff, Mr. Bernstein's specialty is developing personalized educational workshops that the focus on the multiple aspects of financial literacy. Mr. Bernstein has long delivered programs to the Palm Beach County Sheriff's Department, Glades Area Correctional Facility, Palm Beach County Community Services, Florida Resources for Women, Florida Head Start, Palm Beach County Library Systems and various upstate New York Firms. Mr. Bernstein holds a Senior Credit Counselor Certification from the Institute for Financial Counseling (IFC); IFC Certification in "Communication and Understanding Personality Types" Program and "Credit Reports: What Every Counselor Needs to Know" Program, Consumer Action and American Express's: "2007 Train the Trainer Workshop: Credit Cards: What You Need to Know" and HUD's "FHA Loss Mitigation" Program Training. Mr. Bernstein's workshops are delivered to the public free of charge and may be booked by contacting Credit Card Management Services, Inc. through our website at www.Debthelper.com or calling 1-800-920-2262.

2009: Debthelper.com presents First Time Home Buyers Seminar

The Initial First Time Home Buyers Seminar of 2009 was held on Saturday January 31^st at the DebtHelper.com facility on Okeechobee Blvd. The course was conducted by Anel Moises, a NeighborWorks Center for Homeownership Education and Counseling NCHEC Certified Housing Counselor, in conjunction with materials such as "Realizing the American Dream" published by NeighborWorks.

This coursework is required for certain eligibility of first time buyer programs offered through mortgage brokers and lenders. Each participant receives a certificate upon completion at the end of the course. The course is designed to guide potential homebuyers in the process of becoming homeowners, including and not limited to the following topics:

Are You Ready to Buy A Home
Managing Your Money
Understanding Credit
Getting a Mortgage Loan
Shopping for a Home
Keeping Your Home and Managing Your Finances.

Ms. Moises is an adopter of the NISHEC Industry Standards for Homeownership Counseling and Education. The National Industry Standards for Homeownership Education and Counseling have drawn upon a variety of sources, including existing standards used by the U.S. Department of Housing and Urban Development (HUD) and local, regional, and national housing counseling organizations. Input on the standards was gathered by the Advisory Council for the National Industry Standards from many industry partners, including national lenders, GSEs, HUD, mortgage insurers, executive directors and counselors of local, regional, and national organizations.

2008: Community Outreach Seminars Information

The DebtHelper.com financial literacy awareness program is offering the following seminars, programs and materials NOW and, as always, FREE to consumers groups. Click here to read more...

2008: Holiday Outreach

Debthelper.com Certified Credit Counselor Bill Sheehan bears gifts at the Law Offices of Cheesman Varner's Holiday Party held December 17, 2008. Donations benefit the homeless in Palm Beach County.

2007: Palm Beach Partners Matchmakers Conference

President, Paul Donohue and Counselor Anel Moises hosted a workshop entitled: "The Importance of Credit" on Tuesday, September 18, 2007 at the Palm Beach County Convention Center for the 2007 Palm Beach Partners Matchmaker Conference and Expo.

2007: National Association of Realtors® Housing Fair

Credit Card Management Services, Inc. Certified Credit and Housing Counselors Ms. Anel Moises and Mr. Alfredo Rios attended the Housing Fair at Palm Beach Lakes Community High School developed by the National Association of Realtors® on Saturday, May 19, 2007 from 8:30am - 3:00 pm. The seminar covered all of the important topics related to homeownership and hosted a wide variety of vendors presenting valuable information to get future homeowners started on the path to home ownership.

2005: Financial Literacy Education

Counselors Diane Beckford and Minh McClure with Tina Graffeo at Palm Beach Lakes Community High School for financial literacy classes, April 2005.

2005: Fundraiser for Palm Beach Lakes Community High School

CCMS Counselor Diane Beckford presents check to Tina Graffeo at Palm Beach Lakes Community High School for funds raised after a car wash, April 2005. The fundraiser money supports the Palm Beach Lakes Exceptional Student Learning Program.

2005: Okeechobee Kiwanis Club

CCMS presented information about consumer credit at a meeting of the Okeechobee Kiwanis Club. From left to right: Bens Sims of the Okeechobee Kiwanis Club, CCMS's President, Paul Donohue and Jeff Neve. (Photograph by Dionna Bunyard, Okeechobee Times)

2004: CCMS Adopts Palm Beach Lakes High School

(Left to right) Victor, Tina Graffeo, Ms. Russo, Tim, Lisa Lambert; Patrick, and Ken

Lisa Lambert and Tina Graffeo displaying computers and software purchased with the grant money from CCMS.

CCMS holds personal finance classes at local high school: Palm Beach Lakes Community High School. The program started in 2004. The FDIC's Money Smart Program is the core curriculum teaching the basics of banking to the fundamentals of homeownership. CCMS has also been able to give a donation to the school to allow them to buy computer software and classroom materials that teach money management for the exceptional learning students. These efforts reached approximately 150 to 200 high school juniors and seniors each school year. In addition to our efforts on the high school level, CCMS partnered with Palm Beach Community College to provide financial seminars to various student groups.