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Make a Plan for
Financial Success

  • Get help with your budget
  • Understand your debt repayment options
  • Improve your financial future
  • Gain peace of mind

Financial troubles can add stress and worry to your life and sometimes you need quality credit counseling help. We can assist you with finding a solution to get on the right path. Our certified credit counselors are here to help you regain control, establish a workable budget and provide you with the tools and knowledge to reach your financial goals.

Since 1987, we have been offering credit counseling services and have helped more than 1.6 million people improve their financial situation — and we can help you, too.
Here’s what you can expect from us:

  • Personal guidance and support from certified counselors
  • Customized budget and action plan just for you
  • Free educational resources for developing effective spending habits
  • Debt management solutions if you need additional help

Take a moment to find out why our credit counseling agency has been able to help more than 1.6 million people manage nearly $6 billion in debt.

Call 1-866-528-0588 to speak with a certified credit counselor. Spanish-speaking counselors are available. Or, you can complete the credit counseling process online.

Get Started Now!

Credit Counseling Help FAQs

  • What is credit counseling?

    Credit counseling is a free service that helps people find solutions to their financial challenges. The process can be completed with a certified credit counselor over the phone or online.

    At Take Charge America, we conduct a confidential, personal financial assessment in order to learn about your current financial situation and determine the best course of action. We will help you get your budget back on track, recommend solutions to improve your financial situation and offer educational resources to help you develop effective spending habits, budget to meet living expenses and manage personal debts.

  • How do I know if I need credit counseling?

    If you feel overwhelmed with your finances, are struggling to pay your bills, have missed due dates with your creditors, or are anticipating a hardship in the near future, you may benefit from credit counseling. We can review your personal situation and determine the appropriate solution to help you reach your goals.

  • Is there a fee for credit counseling?

    No, any consumer can benefit from credit counseling. Following a confidential financial assessment that’s conducted online or over the phone, we can develop a plan of action and offer educational resources to help you manage your debts and save for the future. All plans are customized for the unique needs of each customer.

  • Do I need to be behind on payments to get help?

    No, any consumer can benefit from credit counseling help. Following a confidential financial assessment, our credit counselors develop a plan of action and offer educational resources to help you manage your debts and save for the future. All plans are customized for the unique needs of each customer.

  • How long does the credit counseling process take?

    The length of the credit counseling process is determined by individual circumstances and the depth of counseling required. On average, the phone consultation and financial assessment takes 45 to 60 minutes. The online process can take 20 minutes or less if you have easy access to your debt, income, assets and expenses. With the online credit counseling session, you can save your progress and return at a later time.

  • How do I get started?

    Call 1-866-528-0588 to speak with a certified credit counselor, or get started with online credit counseling. We look forward to helping you.