​As a non profit debt relief agency, our motivation is to help clients achieve financial freedom through a variety of affordable debt relief services. Debt repayment is not a one size fits all solution. There are many relevant factors that should be considered in order to determine the best program for resolving your debts. 

Credit Counseling

Consumers who are stuck in a minimum payment trap, overwhelmed by multiple creditor accounts, enrolled in a troublesome debt relief program or who are considering bankruptcy are ideal candidates for our free debt analysis service. A certified credit counselor will review your current financial situation, help you design a customized budget and recommend your best options for debt repayment.
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As part of our commitment to helping consumers achieve debt freedom, we offer fresh and inspiring educational resources to help you stay on track with your customized budget and achieve success in your debt relief program.

Debt Management Plan (DMP)

A DMP is designed to to assist consumers with unsecured debt accounts by dramatically reducing the amount of interest and penalty fees being charged on creditor accounts.  In this program, our debt team will negotiate with your creditors, on your behalf, to lock in lower interest rates and easier repayment terms.  Enrolled debts will be consolidated into a single program, and only require you to make one reduced monthly payment that we will strategically distribute to your creditors to pay off your accounts as quickly (and affordably) as possible. This program ensures that all your creditor payments are made on time each month. 

Debt Settlement (DSP)

A DSP is the quickest and least expensive way to resolve debt, often saving consumers 30-50% the cost of their debt. Debt settlement is an option for consumers who cannot afford their current monthly payments. Debt settlement resolves debt for less than what is owed and will impact the consumer's credit profile.