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The next step will be for us to answer any of your questions and if needed, schedule a free credit counseling session with one of our certified counselors. We offer both immediate and scheduled counseling sessions.

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Online Credit Counseling

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  • Free confidential counseling.
  • Available 24/7 for your convenience.
  • Guided step by step intake form.
  • Certified counselors review your session

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Online Bankruptcy Counseling

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  • Complete the bankruptcy counseling in 1 hour.
  • Determine your net income and expenses for an average month.
  • Learn ways to balance your expenses against your income.
  • Receive a personalized action plan.

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Online Bankruptcy Education Class

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  • Convenient way to acquire your bankruptcy certificate
  • Learn how to properly budget.
  • Set short-term and long-term financial goals.
  • Understand the appropriate uses of credit and your credit score.

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Appointments for Counseling

Appointments are available:
Monday through Thursday 8:00am – 8:00pm
Friday 8:00am – 5:00pm

During the session, your counselor will review your income, expenses and debts in order to develop a comprehensive monthly budget analysis.

Once this information has been collected, the counselor will review all of your information to determine what alternatives may be right for you. The counselor will provide you with an action plan, which will outline options and resources to help you get back on the road to financial freedom. One of these options may be our Debt Management Program (DMP).

Our Debt Management Program offers the following benefits:

  • Lower interest rates / finance charges
  • Late and over limit fees waived
  • Stop collection calls and letters
  • Avoid judgments or bankruptcy
  • Become debt free within 3 – 5 years


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