A Clear Plan to Get Out of Debt Starts Here
In just 15 minutes, a nonprofit counselor will help you understand your options and figure out your next step.
Here’s some of what you can expect from our credit counseling services:
- No-cost, no obligation—just honest guidance on how to manage debt responsibly
- Confidential and judgment-free—we’ve helped people in all kinds of financial situations.
- No impact on credit— your inquiry stays private and won't hurt your credit score.
After your consultation, you’ll have:
- A clear understanding of your current situation
- Real options based on your finances
- Insight into whether a structured plan makes sense
- A next step you actually feel confident about
Whether you’re looking for a structured way to manage or get out of debt, want to talk through your options with someone, or just need clarity on what to do next, Consumer Debt Counselors is here to help. As a nonprofit credit counseling agency, we provide guidance designed to help you understand your options and move forward with confidence.
Prefer to talk now?
We’re here Mon-Thurs, 8am-7pm ET and Fri, 8am-5pm ET.
Call us at (800) 820-9232.
Book Your FREE 15-minute Consultation
Your information is confidential and never shared. There is no obligation to enroll in any program. This session does not impact your credit in any way.
Most appointments are available within the next 24-48 hours.
Why Work With Consumer Debt Counselors
A trusted nonprofit credit counseling agency
NFCC Certified
HUD Approved
Approved by the Executive Office of the US Trustee (EOUST)
A Clear Path Forward Starts With Understanding Your Options
Most people don’t come in knowing exactly what they need.
Some are trying to figure out how to get out of debt.
Others are looking for a more structured way to manage it.
And many just want to talk to someone who can help them make sense of everything.
Wherever you are, that’s exactly where we start.
From there, we help you:
- Understand what’s actually going on with your debt
- Explore realistic options based on your situation
- See whether a structured plan makes sense for you
- Figure out your next step with confidence
What Happens During Your Consultation
During your 15-minute call, a certified credit counselor will:
- Talk through what’s actually going on with your debt
- Review your balances, payments, and overall situation
- Break things down in plain, easy-to-understand terms
- Walk you through realistic options (not generic advice)
- Help you decide what makes the most sense for you
There is no obligation to enroll in any program. The purpose of the call is simply to help you understand your options.
Looking for a Debt Management Plan?
If you're searching for a debt management program or repayment plan, this is one of the most common ways people regain control.
A Debt Management Plan (DMP) may help you:
- Combine payments into one manageable monthly amount
- Potentially reduce interest rates
- Create a clear path toward paying off your debt
If this is the right fit, we’ll walk you through exactly how it works and what it would look like for you.
Why People Choose to Do This Now
Most people don’t take action right away. They wait.
Usually because they:
- aren’t sure what their options are
- feel overwhelmed or stuck
- are hoping things will get better on their own
- don’t know who to trust
This call helps you move forward with clarity instead of guessing.
What Makes Us Different
Most people who come to us have already tried to figure things out on their own.
They’ve:
- read articles that didn’t really help
- felt unsure who to trust
- worried about making the wrong decision
We keep it simple:
- We listen first
- We explain everything clearly
- We focus on what actually works for your situation
- We don’t pressure you into anything
- You get guidance, not a sales pitch
You leave the call with clarity — not more confusion.
Real Experiences From People Like You
Rated 4.6 on Google as of December 2025
