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Claim this Profile 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 the number of payments and total interest which leads to debt relief and the avoidance of home foreclosure.

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The Good

  • Non-Profit Organization
  • Personalized Assistance
  • Affordable Education Courses
  • Positive Reviews

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.

Positive Reviews

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 answered, the numbers start to become clearer, and a plan is developed that leaves the individual feeling like they understand the direction and steps they must take over the coming weeks.

The Bad

  • Undisclosed Fees
  • Not Available in All 50 States
  • Lack of Face-to-Face Support

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 United States of America; however, due to licensing 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.

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