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Welcome!

We’re excited to start your journey to financial wellness with you. In your first appointment, a certified NFCC counselor will walk you through helpful tools and resources so you can move forward with clarity and confidence—at no cost and with no obligation.

What to Expect at your 1:1 Counselor Call

  • A Warm Welcome: Your counselor will introduce themselves and explain how we can assist, whether you’re exploring options for the first time or continuing your journey with us.
  • Understanding Your Needs: We’ll ask a few simple questions about your financial goals and challenges to better understand how we can help.
  • An Introduction to Our Services: Learn more about how Consumer Debt Counselors can support you. From debt management plans (DMPs) to housing counseling and financial coaching, we provide personalized solutions tailored to your needs.
  • Next Steps: At the end of this session, we’ll schedule a more detailed Counseling and Assessment appointment to dive deeper into your financial situation. You’ll leave with a clear understanding of what comes next.

How to Prepare for Your Appointment

No need to worry about preparation—this session is designed to be simple and stress-free. You don’t need to gather extensive paperwork or financial records. Just bring a general sense of your goals and challenges. Whether you’re looking to reduce debt, improve your credit, or create a financial plan, your counselor will guide the conversation and help you figure out the best next steps.

If you can recall some basic details about your income, expenses, and debts, that’s great—but it’s not required. We’ll meet you where you are and take it from there.

Our Approach

At Consumer Debt Counselors, our structured process helps us review your finances and provide clear, practical guidance.

Initial Overview of Services

Your journey begins with a no-cost, no-obligation conversation where we explain the resources and support available to you. This initial session focuses on empowering you with the knowledge and tools to regain control of your finances.

Counseling and Assessment

During your second appointment, we’ll review your full financial picture and discuss key topics like budgeting, credit, and debt strategies. You’ll receive personalized recommendations and a clear action plan tailored to your goals.

Next Steps & Implementation

If you decide to move forward with one of our personalized debt relief solutions, your counselor will walk you through every step. We’ll make sure you get started with confidence and provide ongoing support to help you succeed.

Why Work With Consumer Debt Counselors

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BBB A+ Rated

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NFCC Certified

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HUD Approved

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Approved by the Executive Office of the US Trustee (EOUST)

What Makes Us Different

For more than 25 years, we have been serving low- and moderate-income individuals and families who deserve trustworthy guidance without sales pressure or unrealistic claims.

  • We listen first
  • We help you understand your options
  • We explain everything in plain language
  • We respect your decisions—no pressure
  • You stay completely in control
  • You receive guidance, not a sales pitch
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Rated 4.6 on Google as of December 2025
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