Congratulations on your decision. We look forward to working with you.
As a non-profit credit counseling agency with over 30 years of experience, we help people get out of debt. We provide financial tools and resources to help our clients learn effective budgeting techniques. We help our clients achieve financial health by creating personalized debt management plans to reduce their debt.
1. Two or more accounts (credit cards, loans)
2. Debt-to-Income Ratio of 20% or more
3. A source of income
If an individual meets these simple requirements, they may be a good candidate for a debt management plan. To determine full eligibility, please contact one of our dedicated Counselors by calling 866-210-3589. We will determine the best option to relieve the debt. All calls are free and strictly confidential.
Calculate the debt-to-income ratio using this simple formula: Total Amount of Monthly Debt (excluding mortgage or rent) / Total Monthly Income x 100% = Debt-to-Income Ratio.
Unsecured debts:Credit cards, medical bills, personal loans, gas cards, utility bills, department store cards and repossession and collection accounts.
Secured debts: Mortgages or car loans are not allowed. As long as the individual continues to be responsible for maintaining these debt payments while on our program, there is no risk of losing their home or car.