Get Free From Credit Card Debt in 5 Years or Less

Been struggling to pay off your credit card debt? 

In just 5-10 minutes, our Certified Credit Counselors can find out if you qualify for our Debt Management Plan that will:

  • Lower your credit card interest rates to potentially 1.9%
  • Reduce your monthly payments
  • Help you pay off your credit card debt in just 3-5 years
Not convinced? Check out what one of our happy clients has to say about the Debt Management Plan:

Are You Eligible for the Plan?

Jump on a free, confidential call with one of our Certified Credit Counselors to find out more about the Debt Management Plan.

Step 1: Talk to a Credit Counselor

The first step to getting on a Debt Management Plan is a one-on-one credit counseling session with one of our Certified Credit Counselors. They'll analyze your spending and saving patterns and come up with a way for you to create a balanced household budget.

Step 2: Create A Personalized Plan

If we agree that it’s right for you, we will contact your creditors and work with them to lower your interest rates to the lowest that they can possibly be. From there, we'll come up with an affordable, fixed monthly payment schedule that combines all of your credit card debt into just one payment.

Step 3: Improve Your Finances

Once you get on a Debt Management Plan and start making regular monthly payments, it'll be easier to manage your finances and you'll likely start to see an increase in your credit score over time. Most of our clients are able to pay off all of their credit card debt within just 3-5 years.

About is a 501(c)(3) non-profit 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.

Are you next? 

What's the Catch?

You might be thinking: All of this sounds too good to be true… After all, how is it possible that my interest rates could be lowered to 1.9%?

Here’s the thing: Credit card companies want you to pay off your debt and are willing to lower your interest rates if they have to in order to get you to do that. 

Creditors know that people are more likely to make regular, on-time payments when enrolled in a Debt Management Plan, and they’re still able to recover enough money in interest so that it’s worthwhile for them.

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