Non Profit Consumer Credit Counseling Services
CreditGUARD is an independent, nonprofit credit counseling agency committed to helping America get out of debt.
We provide real solutions for everyday debt issues — simple or complex.
We provide credit counseling and debt management along with free financial education to U.S. consumers who may be struggling with debt but want to work toward a more stable financial tomorrow.
Get Out of Debt and Stay Out of Debt
It’s our hope — our mission as a nonprofit credit counseling agency — to help prevent consumers from falling into the “debt trap” and help those already in trouble. Our online education resources provide comprehensive information regarding the effects of best credit counseling over debt collection and money management.
The first step toward tackling your debt is recognizing exactly how it started. Our certified credit counselors will go through all your various secured and unsecured debts to get an accurate picture of your financial situation. After, they’ll work with you to help you create a budget that fits your needs.
Understand the Types of Debt: Where We Can Help
What do we mean by unsecured debt? Debts that aren’t attached to specific assets are considered unsecured, whereas debts that are attached to specific assets are considered secured. See below for a few examples of both types of debt.
- Credit cards
- Medical bills
- Personal loans
- Car loans
Nonprofit Credit Counseling: How it Works
If you’re having trouble making ends meet, you’re not alone. The average American household owes more than $15,000 in credit card debt. And with the average cost of living continually increasing, it’s no wonder more and more people are falling in debt.
Our consumer credit counseling services help you stay on track with your monthly payments. In addition to our credit-savvy advice, our credit counselors offer a variety of ways to help you better manage your finances.
We empower you with an actionable, balanced budget that actually works.
Credit counseling services are broken down into two categories: for-profit and not-for-profit organizations. Most for-profit agencies tend to charge much higher fees and advocate services that may not be in the customer’s best interest. On the other hand, nonprofit agencies like CreditGUARD oftentimes charge much lower fees, are frequently able to waive fees and also offer a variety of free services including money management advice and credit counseling sessions.
Our nonprofit credit counseling program helps you build a financial foundation and learn positive money habits that you can use to move forward on your journey to financial stability and peace of mind.
- We take an in-depth look at your unsecured debt (such as credit cards, medical bills and personal loans) and secured debt (such as mortgages and car loans), as well as your household expenses and personal income to come up with a payment plan that works for you.
- We then help you stay on top of your payments by working to combine most of your various debts into one smaller, more manageable bill.
- We’ll also help you stay on top of your finances by setting up a payment plan you can follow.
If you’re in danger of falling behind on your monthly bills, or if you’re already behind and need some assistance getting back on track, credit counseling may be able to get you back on track with your finances.
Are you ready to take the first step toward debt relief? Call CreditGUARD today at 800-500-6489.
What to Have When You Call Us
Before calling in, make sure you have:
- Your most recent monthly credit card statement(s)
- Your monthly household income
- A list of your various monthly bills and obligations
Find Debt Relief Today!
Find Debt Relief Today!
Certified Credit Counselors are available Monday - Friday 8:00 am - 8:00 pm Eastern.
For more information on debt consolidation, please visit:
Why Choose CreditGuard? Learn what sets our debt consolidation services apart from the rest and how we can help you take control of your debt.
The Ultimate Debt Survival Guide. Need some practical advice for dealing with debt? You’ve come to the right place. This free downloadable guide can teach you the basics of managing debt (and more).
Is Debt Settlement a Good Idea? Debt settlement and debt consolidation are not the same. Learn more about the process (and consequences) of settling your debts before going down that path.