Non-profit credit counseling organization offering debt management plans, housing counseling, and financial education through certified personal finance counselors.
Editorially reviewed by Harvey Brooks
DebtHelper is a non-profit organization providing credit and debt solutions primarily through certified personal finance counselors. The organization operates under the name Credit Card Management Services, Inc and maintains dual websites at DebtHelper.com and ReversemortgageHelper.org, indicating a focus on serving both younger adults with credit debt and seniors seeking reverse mortgage guidance. The organization positions itself as a trusted alternative to commercial debt relief companies, emphasizing its non-profit status and compliance with bankruptcy code requirements.
The organization's core service is debt management planning, where counselors work with financially distressed clients to negotiate lower interest rates, reduced monthly payments, and fee suspensions directly with creditors. Beyond debt management, DebtHelper offers comprehensive housing counseling services including reverse mortgage counseling for seniors 62+, first-time homebuyer education, foreclosure assistance, and down payment assistance programs. The organization also provides financial education courses compliant with bankruptcy code requirements, bankruptcy counseling and education, budget analysis, credit analysis, and payday loan debt assistance guidance. Free consultations and budget reviews are available to all consumers regardless of program enrollment.
DebtHelper distinguishes itself through its non-profit structure, certified counselor staff, and multi-service approach addressing both credit issues and housing-related financial challenges. The organization serves geographically diverse clients (mentioning South Florida community seminars) and maintains compliance with regulatory requirements for bankruptcy education providers. Notably, the organization prominently features client testimonials showing tangible results: average monthly payment reductions from $1,516 to $371 and interest rate drops from 24.99% to 0% through their debt management plans.
The primary limitation is that DebtHelper operates as a debt management provider rather than offering immediate debt reduction or settlement services. Results are dependent on creditor cooperation in negotiating terms, and eligibility requires demonstrated financial hardship. The organization's effectiveness relies heavily on client commitment to the agreed payment plan. Limited information is available about success rates, average timeline to debt resolution, or the percentage of applicants approved for their programs.
Yes. Credit Card Mgmt Svcs, Inc Dba Reversemortgagehelper.Org And Debthelper.Com is a registered company headquartered in West Palm Beach, FL. 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 currently struggling with credit card debt who want to work with a non-profit organization to negotiate lower payments and interest rates directly with creditors. The primary caveat is that debt management plans require creditor cooperation and consumer commitment to a multi-year payment plan—results are not guaranteed and the organization does not provide immediate debt reduction or settlement like commercial debt relief companies.
Nonprofit credit counseling agency offering debt management plans, debt settlement, and a proprietary DualTrack hybrid program for consumers with unsecured debt.
Best for: Consumers with substantial unsecured credit card or personal loan debt who want a structured nonprofit-guided payoff plan, People receiving collection calls who need creditor negotiation and a single consolidated payment
The Credit Pros is a credit repair company that disputes inaccurate items on credit reports and provides credit monitoring and educational tools to help clients improve their credit scores.
Best for: Consumers with inaccurate or fraudulent items on their credit reports seeking professional disputes, Individuals wanting professional credit repair combined with educational resources and monitoring
HUD-approved nonprofit offering free homebuyer education, foreclosure counseling, and down payment assistance to low-to-moderate income families in Florida.
Best for: First-time homebuyers with low-to-moderate incomes in the Florida area seeking free education, Homeowners facing foreclosure or eviction who need counseling and intervention options
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