About Us

We are a a 501(c)(3) nonprofit organization that provides the full range of credit counseling services and consumer education programs to families and individuals regardless of race, color, religion, national origin, sex, age ancestry, marital status, disability, or veteran status.

For over a decade we’ve helped thousands of consumers take back control of their finances. Our clients have benefited from our assortment of educational programs whether it’s buying their first home, applying for a mortgage, saving for the future, fixing their credit score, negotiating a debt repayment plan, or getting back on their feet after filing bankruptcy.

With offices in Florida and Puerto Rico, we can assist consumers nationwide.


Financial Counseling

Individuals and families receive a full budget analysis by an accredited counselor. All counseling is completely confidential and will include suggestions for budget expenditure alternatives and discussion of potential sources of additional income for which the client may be eligible.

Housing Counseling

Families and individuals receive a complete budget analysis by one of our trained counselors. All consultations are kept confidential and include suggestions for budget expenditure alternatives and potential sources of additional income.

Debt Management Program

If you’re already in financial trouble, a certified credit counselor will you create a realistic repayment schedule that’s acceptable to both you and your creditors. In most cases, creditors will take a smaller monthly payment and in some cases, will reduce or eliminate interest and penalty

Bankruptcy Counseling

A credit counselor will work with you to analyze your income, expenses, assets and liabilities to provide an accurate picture of your financial situation. The required certificate will be issued for you to use if you choose to file bankruptcy.