Get Out of Credit Card Debt in 5 Years or Less

Drowning in credit card debt? We're a non-profit agency specialized in providing personalized solutions that help people get out of credit card debt faster.

Speak with one of our Certified Credit Counselors to find out how we can help you lower your interest rates and get out of credit card debt in just 3-5 years.

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We’ve helped over 15,000 families get out of credit card debt.

We’re nonprofit (so we’re in business to help people…not to make money). 

We’re certified, state-licensed, HUD-licensed, bonded and insured. 

How the Debt Management Plan Works

 Step 1: Talk to a Credit Counselor

First, you’ll have a one-on-one counseling call with one of our Certified Credit Counselors to find out if you qualify for the program. 

Step 2: Find Out What You Can Save 

If you qualify for the Debt Management Program, we’ll talk to your creditors and get you on a personalized, affordable plan with the lowest interest rates possible. As of May 2019, we help to lower our clients’ interest rates from an average of 32% to just 4.97%. 

Step 3: Get On the Road to Debt-Free

Once we negotiate interest rates with your creditors, we’ll consolidate your credit card debt, so you only have one low monthly payment to make. As of May 2019, we lower our clients’ monthly payment from an average of $1,401 to $810. Depending on how much debt you have, your monthly payment could be much lower. is a 501(c)(3) nonprofit company devoted to helping people better manage their finances and get out of debt. We’re certified, state licensed, HUD licensed, bonded and insured to provide quality debt management services.

For the past 20 years, has been a part of the Financial Counselors Association of America (FCAA). The FCAA is recommended by the Consumer Protection Bureau (CFPB), a government agency that’s essentially the “police agency” for financial products and services.

Through our Debt Management Program, we’ve helped people with over $93,000 in credit card debt become 100% debt-free. And we’ve helped over 15,000 families get out of credit card debt. 


See What One Of Our Happy Clients Has To Say

What Some Of Our Other Clients Say About Us

Without the help of your company, I would never have been able to work out my debt problems. Divorce left me in financial ruin and through, I can see light at the end of the tunnel...and it is not an oncoming train.
Jennifer C.

They say that we all have several "guardian angels" watching over us. I found one of mine in the most unlikely place...a credit management company. You are angels! I thank you for all your kindness and consideration and for making a very unpleasant aspect of my life pleasurable.
Jo D.

What a great service! This will help me improve my credit substantially. I have tried to get these questions answered on-line and through the credit agencies themselves with no results. I found your company through AICCCA. I will recommend you to anyone that may need your service.

I just think that there are some good people in the world and Thank You goes along way, I just want you to know that you went above and beyond what I am sure is expected and I hope that you know that although this is a some what embarrassing and some what shameful time for me you did not make me feel less of a person and that to me is priceless.
Mika C.

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Top-Rated Nonprofit
(5 of 5 stars)