A Non-Profit Organization


DebtHelper Specializes in Helping Customers Manage Debt while Reducing Payments & 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

Why Choose DebtHelper?

Debthelper partners with those who create opportunities for people to live in affordable homes, improve their lives and strengthen their communities. Debthelper.com 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.

Debthelper.com 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.

Debthelper.com is a proud member of the Southeast Florida Better Business Bureau and boasts an A+ rating with the agency.  

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 in Florida

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 in Florida 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 work 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

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

Debthelper.com 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, Debthelper.com 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 borrowing 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.

f 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? Check out what Making Regular, On-time Payments, with $10,000 dollars of Credit Card Debt could look like:

Without a Debt Management Plan

Assume that you’re carrying $10,000 in credit card bills at 14.9% interest. If you pay the monthly minimum at the average rate of 2.5% of your balance it will take 32 years to pay your balance, and you’ll pay $9,629 in interest. That’s almost as much as you currently owe.

Interest Rate 25%
Minimum Monthly Payment $300
Estimated Number of Payments 383
Total Interest Paid $21,953

With a Debt Management Plan

With management help, those numbers look a lot different. While you’re starting with the same $10,000 in credit card bills, but instead of paying 14.9% interest, you could pay as little as 1.9% interest*. Because your plan is structured, you pay $178 a month for 5 years, and at the end of that time, you are paid in full. At the end, you’re also saving over $20,000 in interest.

Interest Rate 5%
Minimum Monthly Payment $200*
Estimated Number of Payments 57
Total Interest Paid $1,237

*Please note: Interest rate deductions are fixed and dependent on the creditor.

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

Our Partners

We Help with Debt from thousands of creditors

Bankruptcy Courses

Financial Education Courses

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