Non-profit credit counseling foundation offering debt management plans, bankruptcy counseling, and financial education since 1991. NFCC-certified counselors help clients reduce payments up to 50%.
Editorially reviewed by Harvey Brooks
Credit Advisors Foundation is a non-profit organization established in 1991 that provides free and low-cost financial counseling services across multiple states. Headquartered in Omaha, Nebraska, with additional offices in Scottsdale, Arizona and Council Bluffs, Iowa, the organization has helped thousands of consumers address debt and financial management challenges.
The foundation offers comprehensive credit counseling, debt management plans (DMPs), bankruptcy counseling, housing/mortgage counseling, and financial education programs. Their certified counselors work with clients to create customized budgets, consolidate bills into single affordable payments, and develop long-term financial strategies. They advertise potential payment reductions of up to 50% through their debt management services and promise relief from creditor collection efforts.
Credit Advisors distinguishes itself through its non-profit status, mission-driven approach to consumer financial empowerment, and commitment to quality assurance across all service levels. The organization employs a structured Quality Assurance Program measuring performance outcomes, maintains multilingual counselor staff (Spanish, Korean, and Thai), and emphasizes confidentiality and client advocacy. Their 33+ year track record and established community partnerships reflect institutional stability.
As a non-profit counseling service, Credit Advisors is appropriate for consumers seeking legitimate debt management guidance without profit-driven incentives. However, prospective clients should understand that debt management plans require creditor cooperation, results vary by individual circumstances, and the organization's emphasis on marketing payment reductions may create unrealistic expectations. The website provides limited detail about success rates, typical timeline to debt freedom, or specific eligibility criteria.
Yes. Credit Advisors Foundation is a registered company headquartered in Omaha, NE. They hold a NR rating with the Better Business Bureau.
Counseling available within 1-2 weeks of contact.
CreditDoc Diagnosis
Credit Advisors Foundation is best for consumers with genuine debt problems seeking legitimate, non-profit counseling without sales pressure. The main caveat is that debt management plans require creditor participation (not guaranteed) and the organization's marketing of '50% payment reductions' may oversell average outcomes without adequate context about eligibility, rates of success, or realistic timelines to debt resolution.
Non-profit credit counseling organization providing debt management, bankruptcy guidance, and financial education since 1991. Offers free confidential counseling with certified advisors.
Best for: Consumers with multiple debts seeking consolidation into a single manageable payment, Individuals considering bankruptcy who need pre-bankruptcy counseling and guidance
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Best for: Omaha-based small business owners seeking relationship banking and treasury services, Local residents who value community reinvestment and want to support local causes through their banking
Enterprise Bank is a full-service bank offering personal and business checking, savings, lending, and digital banking solutions with branches and ATM access.
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