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Counseling is available 24 hours a day, 7 days a week by telephone and Internet so no matter what time of day you would like to talk with a counselor, they are here to help. If you prefer to meet with a counselor face-to-face, we also have branch offices in 24 states.

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Counselors are standing by to help analyze your financial situation and provide you with multiple options to help you better manage your finances.

Featured News

Managing debt can improve your finances and your life Debt is a burden that millions of Americans carry on a daily basis. In fact, the average family spends 20 percent of their household income paying down debt. But the scary fact about debt is that it doesn’t just impact your finances.

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Resources

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The Department of Housing and Urban Development (HUD) sponsors housing counseling agencies to provide free or low cost advice on buying a home, renting, defaults, foreclosures, and credit issues.

The Association of Independent Consumer Credit Counseling Agencies (AICCCA) is a national membership organization, established to promote quality and consistent delivery of credit counseling services.

The National Foundation for Credit Counseling (NFCC) is the nation’s largest and longest serving national nonprofit credit counseling network.

The Council on Accreditation (COA) partners with human service organizations worldwide to improve service delivery outcomes by developing, applying, and promoting accreditation standards.

HOPE NOW is an alliance between counselors, mortgage companies, investors, and other mortgage market participants.