is a top rated, non-profit, debt counseling organization whose mission is to educate, advise, and empower individuals—from youth to seniors—on how to properly handle debt, credit, and home purchases. Formed in 1996, those with money management and credit issues have been utilizing’s counselors, who are certified by the Financial Counseling Association of America, to find the root of their financial struggles and receive a customized resolution.
With offices in South Florida, Nevada, North Carolina, and Massachusetts, offers three main services including bankruptcy courses, credit card consolidation, and housing services. As a non-profit organization, uses relationships with creditors to obtain lower interest rates using debt management plans. These plans allow for the reduction in number of payments and total interest which leads to debt relief and the avoidance of home foreclosure.

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#22 Reviews |


The Good

Non-profit Organization
As a non-profit organization, with a five-star rating from the Great Non-Profits Organization, seeks to avoid charging high fees for their services, instead choosing to allow as much money as possible to go from those they work with back towards paying off debts at a faster pace.
Personalized Assistance utilizes certified financial counselors to provide personalized assistance either in person, over the phone, or over the internet, to examine an individual’s financial problems, create a personalized debt relief and budget plan, and work with creditors who offer lower interest rates to improve the finances.
Affordable Education Courses
Offering both financial outreach events at their four locations, and online courses, seeks to education anyone seeking financial advice, and education, covering a wide range of finance topics including budgeting, bankruptcy, credit card consolidation, and housing counseling, at an affordable rate ranging from free to no more than $25 per course.
What Customers Are Saying
Many come to feeling nervous and confused about their financial situation. As they meet with their friendly and patient, personal debt counselor, questions start to be answers, the numbers start to become clearer, and a plan is developed that leaves the individual feeling like the understand the direction and steps they must take over the coming weeks.

The Bad

Undisclosed Fees
While is a non-profit organization, its fee process isn’t entirely clear as to what money goes toward their services and what money goes towards paying off debt and avoiding home foreclosures.
Not Available in All 50 States
Currently is available to those seeking financial assistance and education in 47 of the 50 states in the Unites States of America; however, due to the lack of a license being currently issues services are not available in the states of Kansas, Montana, or Utah.
Lack of Face-to-Face Support
There are only four physical locations in South Florida, Nevada, North Carolina, and Massachusetts. Those seeking a face-to-face experience with the outreach events and other debt reduction services will only be able to obtain services in these location. This could be especially difficult for those who wouldn’t feel comfortable discussing personal information over the phone or online.

The Bottom Line

If you’re looking to reduce your debt, learn sound financial advice, and obtain a personalized plan from certified financial experts, from the comfort of your own home, you’ll enjoy working with this non-profit organization.
If you are seeking face-to-face assistance, especially if you feel uncomfortable giving personal information over the phone or internet, you would probably be better suited selection a more localized debt assistance organization to help you reduce your debt and provide financial education.

Frequently Asked Questions

Consolidation or Personal Loan? offers debt consolidation plans instead of personal loans. By working with creditors, assists individuals in creating a personalized debt management plan that provides a lower interest rate leading to lower monthly payments leading to a reduction of the number of payments and total overall interest paid.

What Is The Monthly Fee? does not disclose their monthly fees until after a free session with a certified debt counselor has taken place; however, as a nonprofit, the company seeks to utilize the maximum amount of an individual’s money possible to put towards paying off their debts created through the personalized debt management plan.

Are There Any Upfront Fees? does not disclose their upfront fees until a free session with a certified debt counselor has taken place.

What Is The Cancellation Policy? does not disclose whether it has cancelation fees or not for its services.

Can I Get a Free Consultation? offers free consultations with a financial counselor that has been certified by the Financial Counseling Association of America. These free consultations take place over the phone, in-person, or online.

More Information

About is a financial non-profit organization that offers financial education advice, education, and personalized plans. The company helps individuals struggling with financial stresses through bankruptcy courses, credit card consolidation, housing services, and budget courses. assists its customers through debt consolidation plans that don’t utilize personal loans, but rather create a path to debt relief plans by clearing up financial confusion and developing confidence through steps utilize reduced interest rates to help eliminate debt or avoid foreclosure.
In 2016, clients have seen their monthly credit card payments drop from $1,604 to $1,200 with interest rates dropping from an astonishing 36 percent to 1 percent or less.

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