Credit Tools: DebtHelper: Non-Profit Bankruptcy, Credit & Housing Counseling Agency

Company Profile

Our Services

Personal Finance Education

Housing Counseling

Bankruptcy Counseling

Divorce Counseling

Financial Education

Frequently Asked Questions

The first step toward the journey to financial freedom is to know exactly where you stand relative to your total income, expenses and debt. Making financial decisions without a clear, concise picture of an individual’s financial picture usually leads to being overwhelmed by your situation instead of in control. It doesn’t matter how you got here, what’s important is how to handle the situation before it gets worse. In this section, you can use the debt calculator to determine how long it will take to pay off each obligation, whether secured or unsecured.

Next, download the budget worksheet and, perhaps for the first time, account for every income and expense category. Be realistic with your numbers and a picture will emerge of your situation. In the vast majority of cases, once the facts are clear, the road to financial independence is closer than you think. In many cases, an adjustment in discretionary expenditures or modest additional income can make a world of difference.

Finally, if a reduction in your monthly payment will bring your budget into balance, fill in the online application. An application submitted to CCMS in no way obligates you to any commitment to participate in a debt consolidation or debt management program. What it will do, is give us the information we need to help you help yourself.

These online tools can help both of us devise a solution to your debt troubles, but you have to take the first step.