Our Services

Are you one of the 9 out of 10 Americans who have never been taught the basic principles of money management? Are you worried about bad credit or problem credit, considering chapter 7 or chapter 13 bankruptcy as a way out, or need to consolidate your debts? If these questions apply to you, online credit counseling can help you learn how to manage your money so you can provide a stable and secure future for your family. With personal bankruptcies on the rise and a new bankruptcy law going into effect, it is more important now than ever to regain control of your finances.

We offer a complete online credit counseling service, which optionally includes development of a monthly Debt Solver Plan. You can order your credit report, and browse the resources we provide for debt management.

You may need help managing your finances if you answer "yes" to 2 or more of the following statements:

• Your paycheck disappears before you receive your next one.
• You are usually late in paying some or all of your bills, or puto ff paying some unti next month
• You argue with your spouse or partner about money.
• You get calls from your creditors at work and/or at home.
• You are behind in your mortgage or rent.
• You don't know how much installment and credit card debt you owe.
• You are at or near your credit limit.
• If you lost your job, you would be in immediate financial difficulty.
• You can afford only the minimum payment on your credit cards.

This is the link to our Online service, please complete as much information as possible, and one of our counselors will be contacting you with an Action Plan.