Online Debt Consolidation Near Me

For over forty years, free credit counseling programs have been an effective solution for many people who are struggling with credit and debt problems reach financial freedom.

Credit counseling services provide money management information and assistance for individuals who are in need of financial guidance.

Everybody should learn more about how to achieve their economic goals, manage income, handle a budget, and maintain a good credit score.

Learning how to manage your money is as important as making it.

Find a confidential program individually designed to provide you with a unique solution for your financial problems.


  • Credit Counselors contact everyone you owe money to, and work out a payment plan with each one of your creditors, based on what you are able to afford. Counseling is not a loan. 
  • Credit counseling can help you get out of debt, lower interest and payments, reduce and eliminate and waived late fees, stop collection calls and negotiate the terms of your debts with creditors.
  • Counseling Services can help you balance your financial life and provide you with the objective advice you need to take control of your finances and relieve the stress caused by debt problems.
  • Most companies work with various unsecured creditors including collection agencies, lawyers, doctors, and finance corporations.
  • Counseling services provide bankruptcy counseling and financial education classes to consumers who are in danger of losing your home or being evicted, helping them regain financial stability.


Find out how to get out of debt, control your finances, and find real solutions by reducing monthly expenses and increasing income.

With a little sacrifice you'll be able to cut all unnecessary expenses and avoid impulse purchases. Try to adapt your lifestyle to your salary.

Creating financial goals such as a new car, trip vacation, college education, plastic surgery, are big incentives to save more of your money.

6 How To Get Out Of Debt Tips:

1 - Change your attitude - Cut down or stop your credit card usage.

2 - Sacrifices - Eliminate some of your expenses. Cut down on your energy bill, brew your own coffee, don‘t go out to dinner too often…

3 - Call your creditors - Start negotiating with your creditors. Be truthful and as clear as you can. Ask for a longer payment plan. Try to refinance or consolidate your credit card debt on a lower interest rate. (If you can get the cash, you can get huge discounts by paying it off.)

4 - Prioritize - If you are not able to pay all the credit cards, prioritize the ones with the highest interest rate. A personal loan can be used to do this.

5 - Open a savings account - Put the cash you have saved by cutting expenses into a savings account. If the amount is too low, think of ways to make extra money like (get a part-time job, have an yard sale,…)

6 - Commitment - You must fight the urge to spend. Stick to a new, realistic budget and find ways to increase you income.

Free Credit Counseling Services Include:

  •  Free Credit Advice
  •  Personalized Financial Action Plan
  •  A Complete Financial Review
  •  Debt Management Options
  •  Available Support Resources and Referrals
  •  Ongoing Support

Complete the online application or call a counselor directly. To help reduce the time of the application process, don’t forget to have your most recent statements readily available.

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DISCLAIMER: All the content information listed on is intended as an educational tool only. The laws in the United States differ from State to State, City, County, and local Jurisdiction. In order to get legal assistance and information on the specifics of your legal case, consult an experienced licensed attorney-at-law or law firm in your region that can represent you in a court of law if that proves to be necessary. does not provide legal representation, professional law/legal advice and/or attorney referrals.

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