Non-profit credit counseling organization offering debt management plans, housing counseling, and financial education with certified personal finance counselors.
Editorially reviewed by Harvey Brooks
DebtHelper.com is a non-profit organization providing credit and debt solutions through certified personal finance counselors. The organization operates under the name Credit Card Mgmt Svcs, Inc D/B/A Debthelper.Com and focuses on helping consumers avoid bankruptcy through structured financial guidance. Their primary service is creating customized debt management plans that work directly with creditors to reduce borrower obligations.
The company offers a comprehensive suite of services including credit card consolidation, debt management plans, housing counseling for first-time homebuyers, reverse mortgage counseling for seniors 62+, foreclosure assistance, bankruptcy education courses, budget analysis, credit analysis, payday loan debt assistance, student loan guidance, and personal finance education seminars. All initial counseling consultations are offered free and confidentially. They provide both individual counseling and on-site group seminars for community organizations and businesses in the South Florida area.
DebtHelper distinguishes itself through its non-profit status and HUD-approved/NFCC-certified counselor credentials. The organization emphasizes client success stories showing concrete results: average credit card payments reduced from $1,516 to $371 monthly, interest rates dropped from 24.99% to 0%, and debts repaid in half the standard time. Their debt management plans include creditor benefits such as lower monthly payments, reduced interest rates, suspension of late fees, account re-aging, and discontinuation of collection calls.
As a legitimate non-profit counseling service, DebtHelper is appropriate for consumers seeking debt consolidation without predatory lending terms. However, the website lacks detailed transparency about success rates, typical program costs (if any), timelines to debt payoff, credit score impacts, or detailed program terms and conditions. The asterisk (*) on the 0% interest claim suggests conditions or limitations not explained on the public-facing website.
Yes. Credit Card Mgmt Svcs, Inc D/B/A Debthelper.Com is a registered company headquartered in Woburn, MA. They hold a NR rating with the Better Business Bureau.
Counseling available within 1-2 weeks of contact.
CreditDoc Diagnosis
DebtHelper is best for consumers with existing credit card debt who want legitimate non-profit credit counseling and creditor-negotiated payment plans without predatory lending. The main caveat is that the website provides insufficient transparency about program costs, actual credit score impacts, realistic payoff timelines, and the specific conditions attached to promotional claims like 0% interest rates—prospective clients must contact counselors directly to understand the full terms.
Non-profit credit counseling agency offering free debt management, bankruptcy, and housing counseling services. NFCC member with 50+ years serving 400,000+ clients.
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