DebtHelper Specializes in Helping Customers Manage Debt while Reducing Payments and Minimizing Interest*
A Team of Experts You Can Trust

We Have an A+ Rating with The Better Business Bureau!

Listen to Sam's Debt Management Story

Get a FREE debt consultation by one of our Certified Debt Management Professionals Today

Find out if our services are right for you!

Why Choose DebtHelper?

Debthelper partners with those who create opportunities for people to live in affordable homes, improve their lives and strengthen their communities. is ISO: 9001 Certified as audited by BVI, is licensed, bonded, and insured to provide quality debt management services as governed by its Code of Practice and Best Practices through its membership with FCAA, the Financial Counseling Association of America. is a nationwide company and a member of the Florida Housing Coalition and the NCHA National Housing Counseling Association. Our company adheres to the NISHEC National Industry Standards for Homeownership Education and Counseling and partners with the FHF Florida Housing Finance Corporation. is a proud member of the Southeast Florida Better Business Bureau and boasts an A+ rating with the agency.

Hear from Jason on his experience with DebtHelper

A Service for Every Debt-Management Need

Financial Management

Budgeting and Spending Plan Counseling

Home Equity Conversion Mortgage Counseling

Student Loan Consolidation Assistance

Debt Management Programs

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

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

Life After Bankruptcy – Credit Analysis

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

Mortgage Delinquency and Default Resolution, Loss Mitigation

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

Disclaimer:*Approved to issue certificates evidencing completion of credit counseling or a personal financial management instructional course in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of the Providers services

Learn More About Our Credit Card Debt Management Plan

Here's How the Plan Works



Credit Counseling

The first step in getting on a management plan is a one-on-one credit counseling session with our Certified Credit Counselors. CCMS will help you look through your finances and analyze your spending and saving patterns. This allows us to understand how you're accumulating liabilities and how you can create a balanced household budget.



Create a Plan

If we agree that it's right for you, we will contact your creditors and help you establish a debt management plan. CCMS works with your creditors to lower your interest rate to their pre-established industry guidelines and let you pay off your credit card bills on a fixed monthly schedule.

Most Management Plans take from three to five years to complete. Instead of paying multiple creditors, you simply send us one monthly payment, and we make sure that your creditors are paid. At the end of the payment period, your card liabilities are paid in full.



Improve Your Finances

A Management Program is designed to allow you to:

  • Save thousands of dollars.
  • Lower your monthly payments.
  • Lower or eliminate your interest rates.
  • Stop your late fees or over the limit fees.
  • Consolidate your credit card payments into one monthly payment.
  • Stop creditor calls.
  • Avoid personal bankruptcy.

Our Credit Card Debt Consolidation Program will contact your lenders to set up repayment plans of three to five years or less, provide payments you can afford, and relieve you from harassing creditor calls. If you have more than one loan, can consolidate all your loan payments into one lower monthly payment that will be distributed to each of your lenders.

How Your Credit Score Affects Interest Rates

Interest rates are the cost of borrowing money. Because credit scores represent how likely you are to pay off a loan, higher scores signify less risk for lenders, meaning your cost for borrmain-paragraphwing money is lower.

Your annual percentage rate (APR) is also directly linked to your creditworthiness. The higher your credit score, the lower your APR will be, and vice versa.

Why a Non-Profit Debt Management Plan?

There are plenty of reasons we can fall into credit card problems, and it’s not always about our spending habits. Loss of job, loss of income, divorce, medical bills, and other unexpected emergencies can drive us to use our credit cards more than we’d like. Soon we find ourselves struggling with credit card bills, finding it harder and harder to make the minimum payments.

Making the minimum payments isn’t a solution. Even if you never use a card, it can take between 15-25 years to pay off a credit card balance when you’re only making minimum payments.

if you’re ready to take positive steps to get your credit card bills under control and pay off your balances, a Non-Profit Debt Organization Management Plan in Florida might be for you.

Debt Management Calculator

Want More Proof? Let's Run the Numbers

Without a Management Plan

Assume that you have $10,000 in total credit card bills, averaging 25% interest. If you pay the monthly minimum of about $300/month, it will take about 31 years to pay off the balance. You will have paid about $21,953. This ends up to be over double what you borrowed!

With a Management Plan

With this plan's help, those numbers look way different: with $10,000 in credit card bills, you could be set up with about 5% interest. Your payments could be about $200 a month for 57 months, and then, you are paid in full. Instead of paying double, you save roughly $10,700 in interest!!!*.

Hear How We’ve Helped Improve People’s Financial Situations From Our Clients Themselves


1325 N Congress Ave., #201 West Palm Beach, FL 33401

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