CALL NOW (XXX) XXX-XXXX
We're the same trusted nonprofit — Still here for you.
FREE CREDIT
REPORT ANALYSIS
Schedule Your Appointment Now:
Book Your Free Session
Imagine staring at two very different futures: one where credit card debt continues to spiral out of control—minimum payments dragging on for decades, interest piling up, and financial freedom slipping further away—and another where a debt management program helps you take control, lower your interest rates, and finally pay off what you owe in a clear, manageable timeframe.
Which future do you want? The truth is, doing nothing has a cost—one that grows every month in stress, lost opportunities, and future regret.
You don't have to face it alone. As a trusted nonprofit credit counseling agency, Debthelper Counselors will walk you through a free, no-obligation credit counseling session where you'll get a personalized credit report analysis. Together, we'll find out if a Debt Management Plan (DMP) is the right fit for you—and whether you qualify for the kind of massively reduced interest rates that can save thousands of dollars.
"Debt management is the same as debt settlement or a scam."
Debt Management Plans are not debt settlement. We do not ask you to stop paying your creditors, and we do not negotiate to settle debts for less than you owe. As a nonprofit credit counseling agency, we work with your creditors to reduce interest rates and fees while you repay your balances in full—on a structured, affordable schedule.
"If this were legitimate, my credit card company would have told me about it."
Many major creditors participate in nonprofit Debt Management Plans, but they don't always promote them. These programs are typically offered through certified nonprofit agencies that work directly with creditors to apply pre-established interest rate and fee reductions while you repay your balance in full.
"After bankruptcy, credit counseling or debt management won't help me."
Many people return to nonprofit credit counseling after bankruptcy to better understand their credit report, rebuild healthy habits, and avoid repeating past patterns. Even if a Debt Management Plan isn't appropriate, credit counseling can still provide valuable guidance for rebuilding and moving forward.
If you've used our bankruptcy or debt management services before, welcome back! You may already know that with a Debt Management Plan, you could:
Take the pledge today to get out of debt — not just for your peace of mind, but for the people counting on you. You owe it to yourself—and to them—to choose the path toward financial freedom.
Fill out the appointment and claim your FREE CREDIT REPORT ANALYSIS —normally a $149 value—when you schedule your no-obligation appointment today. Get clear insight into your credit, interest rates, and options, with no pressure to enroll. If you're trying to avoid bankruptcy, get ahead, recently experienced reduced income or if you're trying to save for a new home, we have counselors here to help you.
Real help. Real people. No sales pressure.
Since 1996. EIN 31-1483386 debthelper.com/disclosures Lic. Bonded Insured
