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What Do You Need Help With?
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Frequently Asked Questions
Are these sessions mandatory?
Yes — most people who qualify for our programs have less-than-perfect credit. In fact, that’s exactly who we’re here to help.
How long does each session take?
Your score may dip slightly at first, but most clients see improvement over time as debts are paid down consistently.
Will I receive a certificate?
No — part of the program involves closing or suspending active credit cards to focus on paying off your current balances.
Are these sessions confidential?
We offer free evaluations. If you enroll, there may be a small monthly service fee — far less than what you’d pay in interest alone.
Can I do this online or by phone?
Credit cards, personal loans, medical bills, and some types of unsecured debt. Secured debts (like mortgages) are not included.
Is there a cost for these services?
Most clients complete the program in 3–5 years, depending on their total debt and monthly budget.
Prefer to Talk One-on-One?
You can schedule a free, private appointment with a certified counselor.






