Frequently Asked Questions


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Our organization can help you to manage your financial life effectively.

Our certified credit counselors have been properly trained to give you advice on many financial issues, including the following:

  • Advice on buying a first home
  • Learning to read your credit report
  • Avoiding bankruptcy
  • Organizing your financial life
  • Paying off your mortgage faster
  • How to take advantage and safely use of the internet
  • Preparing a budget
  • How to improve you credit

Our organization also offers free seminars, a learning center on our website, consultations by phone, by fax, and in person.

Please see our attending our seminars section, or contact us for information.

Our company also regularly does radio programs. Please call us at 1.800.296.4950 for times and schedules.

We can also help you effectively manage your debt with our Debt Management Program.

Please visit our How We Can Help You section for more information.

It works by consolidating you credit card debts and other types of unsecured debt into a single payment, with advantages such as lowering your payments, lowering the interest rates, eliminating fees and many others.

At the same time you will be counseled on a regular basis and receive information, tips and strategies to help you become debt-free, stay debt free and financially educated.

Please visit our Debt Management Program section for more information.

No. Unlike many other credit counseling companies, you acceptance into and participation in our program is not contingent upon how much money you have or how much money you owe, or having good credit or not.

You do not need to be a homeowner, as our Debt Management Program is not a loan.

If your credit rating is good, it should remain good as long as you continue to make on time, consecutive monthly payments. If your credit is not good, your participation and compliance with our program will help you to rebuild your credit so that you will no longer be considered a risk but a good paying customer.

Any time you wish to pay more than the required payment, or you want to pay off your debts in full with our Debt Management Program, we will encourage you and advise you to do so, and you will have our guidance. Our organization is here to help you become debt free, stay debt free and become financially educated.

Please visit our Who we Are and Message from Directors sections.

You can also click on the GoDaddy verified and secure, FCAA and SARA registrar seals in our website footer to find more information.

You may call us toll free at 1.800.296.4950 or please visit our contact us for more information.

By exploring this website, visiting our Learning Center Section or you may contact us

Please visit our Attend our Free Seminars Section for more information.