Oct 26 2016

Credit Counseling – A Solution For Struggling Americans #free #credit #repot

#credit online


Credit Counseling Explained

Whether they are conducted in person, by telephone, or via the internet, our counseling sessions are confidential and offered free of charge. You submit information about your income, living expenses, and debts, which your counselor will use to create a personalized action plan and budget to help you repay your debts.

Meet Our Team


There are no eligibility requirements for obtaining counseling assistance. You can obtain counseling at no cost to you.


How is counseling available?

We also offer online counseling. Starting your counseling online allows you to enter your personal financial information which speeds up the counseling process and helps us ensure that your information is accurate.

Why will credit card companies and creditors reduce payments through you instead of working directly with me?

Is counseling confidential?

All of our counseling is completely confidential. Our records are kept securely to protect our clients’ privacy and we do not share information about our clients with anyone.

Advantages and Benefits

NFCC Certification

Our counselors are certified with the NFCC. which administers a series of tests to verify the counselor’s financial knowledge.

Accredited For Your Safety

As an NFCC member agency, we are accredited by the COA. or Council on Accreditation. This involves regular reviews of our operations to ensure we meet the highest standards for ethics and service delivery.

No Risk

Since credit counseling is free of charge, our clients have nothing to lose. Seeking credit counseling is in no way reflected on one’s credit report or score, so there are no downsides to getting a free credit counseling session.

Learn about managing your finances

Our counseling services are designed to educate consumers about sound money management. You’ll have the opportunity to ask a certified credit counselor any questions you may have about your debts, personal finances, or credit.

Get Options to Eliminating Your Debt

We’ve been helping people get out of debt for four decades. Our counselors draw on that experience to offer strategies and advice for eliminating debt.

Personalized Attention

Every client’s situation is reviewed by a counselor and the education and advice we give is tailored to that client individually. We don’t let computers create generic action plans for our clients.


Debt Management Plan

For some clients, prudent budgeting is not enough to make ends meet. A Debt Management Plan brings additional concessions that can lower monthly debt payments and make it possible to repay debts.

Debt Consolidation

It’s unlikely that anyone struggling with credit card debt will be given a consolidation loan, but a debt management plan does consolidate all of a client’s monthly credit debt payments into one convenient payment.

Debt Negotiation

It may be possible to get debt relief by negotiating with individual creditors, but this leaves you at the mercy of the individual collection agent you speak to, and doesn’t address your entire financial situation.

Debt Settlement

Settlements involve paying less than the amount you owe to make debts go away. If a creditor agrees to settle a debt with you, the resulting notation on your credit report will severely damage your credit rating.


Springboard offers counseling in all 50 states via phone and internet. We also offer in-person counseling by appointment at our local office locations .

Credit Card Payoff Calculator

Use our calculator to determine how long it will take you to payoff your credit cards if you only make the minimum payments.


Since credit counseling is free of charge and carries no negative consequences to one’s credit, it’s the best place to start when working toward financial freedom.

You can receive counseling by phone or internet, so you can feel comfortable and in control while our counselor helps you create a plan to repay your debts and better manage your personal finances.

All of our counseling is confidential, non-judgmental, and tailored to address your specific situation. Your counselor will help you weigh all of your options and answer any questions you have.

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