is a new debt relief company of the market. They are a subsidiary of Springboard Nonprofit Consumer Management, Inc., a conglomerate of many well-established credit consolidation companies. With the support of Springboard, customers of can feel secure with the services offered. With over 40 years of experience in the industry, can offer a countless of useful services aimed to help any American achieve financial freedom.



The Good

  • Accreditations including NFCC and AICCA
  • Educated resources
  • Certified personal financial counselor

Free Consultation

For those who are unsure about what is about, they offer a free consultation with a Certified Personal Financial Counselor. Potential clients can have a piece of mind knowing that each counselor has to complete a course of education to become certified. During the consultation, individuals will be asked personal questions to help shed light on which program or service would best suit their financial situation. By examining each and every creditor account opened, the counselor can tailor their recommendations to fit each situation a customer brings to the table. In some cases, the plan doesn’t escalate further, in others, a CPFC will advise consumers to enroll in a debt management plan to consolidate debt down to one payment.

Debt Management Plan

In the case that the CPFC determines the customer qualifies for a debt management plan, clients will be guided through every step of the process. The debt management plan is the actual consolidation proposal, and once constructed, it will become the strategy to help clients stay focused on the process. Following this, there is a one-time enrollment fee of up to $35 with a monthly service charge of up to $20.

The Bad

  • No ISO accreditation
  • High up-front fees
  • Time consuming

Time Consuming

Although has an arsenal of useful strategies to help overcome debt, there are some drawbacks with the company. It is all time-consuming. A 30-45 minute phone call doesn’t sound too laborious, but when you add in the time to gather and organize your financial documents, you’re looking at a real time commitment. Make sure you take into account variables such as income from a spouse (if any), house owner and/or car(s), more than one credit card account; all of these add onto the amount of time you will have to invest to settle your debt.


There is an enrollment fee and it depends on how much debt you need to consolidate. Additionally, there is a small monthly fee to use’s consolidation program. During this process, your counselor and the company will divide your payment and pay funds to your creditors without you having to do anything. For some, the lack of control and be a scary thing. Even in some cases, you may not see eye-to-eye with your consolidation counselor, and in the end, the counselor decides which approach is best and not you.

The Bottom Line

We believe that is a reliable option for those looking to take control of their financial situation. By all means, you will need to dedicate some time to the process by gathering your bank statement, credit card balances, mortgage details and any of document related to your financial situation to ensure your counselor has all of the appropriate information to make a safe and educated assessment. We highly recommend to those who find themselves in need of debt consolidation. The experienced and patient staff will put your mind at ease knowing some of the best are working in your favor. If credit consolidation is something you think you might benefit from, give them a call to find out more.

About is a non-profit agency aimed to help improve the lives of others by guiding them through debt consolidation. They offer credit counseling and debt management as their 2 main services. is a company that aids clients to consolidate their debt into one affordable monthly plan. also offers financial resources such as seminars, free online courses, budgeting guides, video gallery, financial calculators, and live assistance.