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About Us

Mission

Credit Card Management Services, Inc. d.b.a. Debthelper.com is an IRS Approved 501c3 Non-Profit Florida Corporation dedicated to its mission to educate, advise and empower youth to seniors to handle debt, credit and housing and to provide affordable housing opportunities through the acquisition and rehabilitation of residential properties.

Services

  • Financial Management

  • Budgeting and Spending Plan Counseling

  • Home Equity Conversion Mortgage Counseling

  • Student Loan Consolidation Assistance

  • Money and Debt Management Programs

  • Pre-Filing Credit Counseling for Bankruptcy (Pre-petition/ Course 1)*

  • Pre-Discharge Debtor Education Courses, also known as a Personal Financial Management Instructional Courses, for Bankruptcy (Course 2)*

  • Life After Bankruptcy – Credit Analysis

  • Mortgage Delinquency and Default Resolution, Loss Mitigation

  • Credit Report Education One-on-One Counseling (offering a broad view of what you should look out for on your credit report)

  • Resolving and Preventing Mortgage Delinquency Workshops

  • Pre-Purchase Homebuyer Counseling

  • Pre-Purchase Homebuyer Education Workshops

  • Financial, Budgeting and Credit Education Workshops

  • Custom Tailored Financial Life Skills Training Workshops

  • Employee Assistance Financial Life Skills Training Workshops

  • Student Loan Consolidation Guidance

  • Affordable Housing Renovation and Purchase Opportunities

  • And More Financial Rescue Options

achievement

Our Achievements

$540M

Amount of Debt Managed

1.2M

Number Families Served

$108M

Amount $ Saved

Testimonial

What Our Customers Say

 

Paul Donohue – President and Founder

After completing his Bachelor of Science in Business Administration Degree at Villanova University, Paul was recruited to West Palm Beach by a local banking institution, First Service Corporation.

Paul formed a bank holding company, White Eagle Financial Group, at age 24. The company raised $2.5 million for the purpose of acquiring a bank. In 1993 White Eagle purchased Admiralty Bank in Palm Beach Gardens, Florida. As Vice-President of Admiralty Bank, Paul became involved with Quick & Reilly who then established a branch office at Admiralty as a direct result of his relationship. This unique association was recognized in Barrett’s Money Guide and American Banker.

Paul took advantage of his banking experience to establish Credit Card Management Services, Inc., branded as Debthelper.com, in 1996. Paul has served as its President since inception. Under his direction, Debthelper.com has achieved several notable benchmarks including opening multiple offices and acquiring Housing and Bankruptcy Approvals. Debthelper.com has provided assistance to over 600,000 families across the nation, since its inception.

Paul maintains personal certification for financial management counseling through the Partnership for Financial Education. Paul is a Florida licensed Mortgage Broker. Paul is a licensed provider of Credit Counseling through the State of South Carolina. Paul carries more advanced certification programs, including being on the Roster of the Federal Housing Authority as a Home Equity Conversion Mortgage Counselor.

A longtime board member of children’s charity groups, Paul formed the non-profit, Videos for Kids (VFK), now known as “Little Smiles, Inc.”, in 1999 providing videos, equipment and entertainment to children in local hospitals and hospices. Little Smiles has granted hundreds of thousands of wishes to children under care across Florida, North Carolina, New York and Pennsylvania.

Paul lives in North Palm Beach, Florida with his wife Carrie and their son Brady.

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Board of Directors

The Board of Directors of Debthelper.com consists of community-orientated professional and academic leaders who volunteer their services and time in support of the Debthelper.com mission.

Debthelper.com Board Members are not related by blood or marriage to any other current Directors or Officers of Debthelper.com. The Directors are not engaged directly or indirectly in the business of mortgage lending, investment sales or advising, insurance, banking, or non-profit/charitable activities. The Directors do not directly or indirectly receive remuneration for their affiliation with Debthelper.com.

Kurt Stahura, Ph.D

NIAGARA UNIVERSITY, DEAN

Matthew Curran

JUPITER MEDICAL CENTER, PHYSICAL THERAPIST

Jim Sutch

DIRECT SUPPLY, REGIONAL ACCOUNT MANAGER

George Lubeck III

ONE WORLD REALTY INC., OWNER

Client Services / Processing Department

The processors are critical to making sure the credit card companies accept the proposed terms in a timely fashion. Client Services handles thousands of calls a year closing problem reports only after the client says the problem is fixed. The majority of calls by these dedicated employees are outgoing calls to make sure clients are getting the full benefit from their program with DebtHelper.com.

Counseling Department

The counselors spend 90% of their time in telephone or personal consultations with clients helping them get control of their financial lives. Counselors make sure the financial plan, which some time results in getting clients back on track without joining a program. Counselors are partners with their clients every step of the way to financial freedom.

Operations Department

Operations handles thousands of checks, money orders and electronic transactions every month and ensures timely payments to the credit card companies. These people are the unsung heroes of the company who make sure payments are processed with a goal of zero defects. Operations also creates and sends monthly statements to help clients make their payments accurately and on time.

Press and Media

Press Releases

  • Counseling agency homeowners

  • CCMS Honored As 2014 Top-rated Nonprofit

  • Credit Card Management Services, Inc. Receives Grant from Wells Fargo

  • TD Charitable Foundation Supports Credit Card Management Services, Inc. with Donation

  • Distressed Homeowners Have A Chance To Meet Their Lenders Face To Face

  • CCMS Now Licensed to Provide Required Bankruptcy Counseling in North Carolina and Alabama

  • Credit Card Management Services, Inc Receives Grant from Bank of America

  • Credit Card Management Services, Inc Receives Grant from AICCCA

  • Credit Card Management Services, Inc. Receives Grant from Wells Fargo

  • CCMS expands their HECM Counselor Team

  • Credit Card Management Services, Inc. Awarded HUD Grant in Palm Beach County

  • TD Charitable Foundation Supports Credit Card Management Services, Inc. with Donation

  • CCMS Helps Families in Palm Beach County with Foreclosure Prevention Assistance

  • Credit Card Management Services, Inc. Awarded Largest HUD Grant in Palm Beach County

  • CCMS is Now Licensed in Colorado for Management Services

  • CCMS is Now Licensed in Rhode Island for Management Services

  • Credit Card Management Services, Inc. is Licensed in Delaware to Provide Debt Management Services

  • Credit Card Management Services, Inc. is Now Licensed in South Carolina to Provide Management Services

  • Credit Card Management Services, Inc. is Also Licensed in Nevada to Provide Management Services

  • CCMS is now licensed in Maine to provide Management Services

  • CCMS will be participating in the La Palma Health Fair on March 20th in West Palm Beach, Florida

  • CCMS Spoke on How Lenders Rate Your Credit at the PBC Convention Ctr Home Show

  • Credit Card Management Services, Inc. Becomes Licensed in Arizona to Provide Management Services

  • Credit Card Management Services, Inc. Becomes Licensed in Missouri to Provide Management Services

  • Credit Card Management Services, Inc. Becomes Licensed in Kentucky to Provide Management Services

  • Credit Card Management Services, Inc. Awarded HUD Grant for Housing Counseling

  • Credit Card Management Services, Inc. Now Offers Pre-Bankruptcy Counseling Courses Online

  • Credit Card Management Services, Becomes Licensed in Pennsylvania to Provide Management Services

  • Credit Card Management Services, Inc. Becomes Licensed in Indiana to Provide Management Services

Other Media

What to do if your credit card rate goes up
By Fred O. Williams and Chris Kissell at CreditCards.com

Credit card holders beware: The gathering strength of the U.S. economy may soon cause a spike in your monthly debt payment. . . . Fortunately, Kermicle started getting financially fit by paying down debt, putting her in a better position to cope with rising rates. With an assist from CCMS, a nonprofit credit counseling service, she found savings in her budget and started whittling down her balances by $850 a month. Read full article here…

88.1 WAY-FM interviews Certified Personal Finance Counselor Mr. Kevin Maher on debt and budgeting, and how it affects families during the Holiday Season. Kevin has conducted countless workshops and seminars for local non-profits that work with very low to moderate income households, homeless individuals, veterans and people with disabilities. Mr. Maher has also given workshops for both employees and students at Florida State University and the University of Miami. Kevin’s courses are sometimes used for Continuing Education Units for EAP-Professionals, Treatment Professionals and Social Workers. To schedule workshops for your agency employees, please call us at 561-472-8000. Click Here to listen

Back to School Management Solutions
by Andrew Bernstein

It’s getting near that time again. After the summer vacations and other activities, families are preparing to send the kids back to school. While there can be wear and tear on the nerves as well as the pocketbook… Read full article here…

Kevin Maher on News Channel 12

Lake Worth stabilization program turning blight into blessing

Lake Worth stabilization program turning blight into blessing

LAKE WORTH, Fla. — Looking for an affordable home? Lake Worth may just be the place to find your ‘home-sweet-home.’ The city’s Community Redevelopment Agency still has dozens of homes left for low income families to buy and rent. . . .To ensure these new homeowners don’t fall into foreclosure, they are required to undergo HUD counseling with someone like housing counselor Kevin Maher.

Steps you can take to prevent foreclosure

CCMS announces community events and accomplishments in the Florida Jumpstart Coalition News. Counselor Mr. Andrew Bernstein, CPFC, announces the upcoming launch of www.divorcehelper.net Low mortgage rates spur many to try to improve credit scores

By Donna Gehrke-White, Sun Sentinel

How your FICO credit score is calculated: Length of credit history
by Jeremy Simon

…the third of a five-part series examining what goes in to creating your FICO credit score… even if your history isn’t perfect, it’s still important to have one. “It’s better to have some sort of credit history — even if there have been some problems — rather than no credit history,” says Andrew Bernstein, a certified personal finance counselor with CCMS Read full article here…

Managing Your Money
by Andrew Bernstein

The first thing to remember in life is that you will know when the actual end of the world comes. There will be trumpets, angels, demons and a whole bunch of disarray, or so we’re told. The second thing to … Read full article here…

Claims of debt fraud soaring
By Christine Stapleton Palm Beach Post Staff Writer

First, Roberta Krassner’s husband died. Then she was diagnosed with cancer. Finally, a relief company called and offered her some good news: help with the five-digit balance on her credit cards and renegotiating her adjustable-rate mortgage to a fixed rate.. “A lot of people are in a panic – what do we do?” said Andre Bernstein, a certified credit counselor at Credit Card Management Services, a nonprofit company in West Palm Beach that counsels debtors.. Read full article here…

Taxes: Tips to Help Financially Struggling Couples Get through Tax Time This year, tax time might be a little more complicated than normal. A large segment of people who plan to pay down their debt with their tax returns may not be doing so. Instead they will be trying to meet normal expenses that they have left untouched during the holiday season. Post Holiday Stress Syndrome generally happens when the holiday bills come in and of course set an individual or couple behind to begin the New Year. They then shift the focus to the tax return and hopefully will then catch up on those first quarter bills. That is when they see that they are not going to be able to do that and they are placed in the negative economic situation. Read full article here…

For Katrina victims, financial pain endures By Kathy Chu, USA TODAY NEW ORLEANS– For Gloria Vallery, the 20 months since Hurricane Katrina have brought a succession of financial agonies. Too little insurance money to cover her property damage. Delays in getting a state grant for hurricane victims. Personal debt of about $40,000 to rebuild her home. .Victims’ family and friends are affected, as well: “If you had relatives in other states, those people had to rack up debt to help you,” says Anel Moises of Credit Card Management Services in West Palm Beach, Fla. Read full article here…

*CCMS assists consumers in managing their financial obligations and CCMS Campaigns: texts, outreach materials, letters, etc. are for offering guidance / consultation only for its approved use. To request accommodation for disability assistance for any of our services or programs email us at counseling@debthelper.com or call 561-472-8000. See also https://debthelper.com/disclosures/

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