Congratulations on taking this first step!

20 Minutes is all you will need to get the answers you are looking for. We commend you on taking this first step toward taking control of your finances. We understand that your time is precious and have designed our online enrollment process to work with your busy schedule. If you do not have enough time to finish the process today, you will be able to return to your information later when you are able to finish.

After completing and submitting your information a certified credit counselor will review your finances and will create an action plan that you can follow to resolve the financial problems you are facing. If you have any questions or problems while completing the application just click on the ?Online Help? button and a counselor will be happy to assist you immediately. Once you have completed the application a counselor will contact you at a time that is convenient to you.

Before you begin you will need to gather your income and expense information:

• List of Creditors or Monthly Statements
• Balances Due
• Minimum Monthly Payment
• Interest Rates
• Monthly Net Income (take home pay)
• Monthly Living Expenses

When you are ready click on the button below, and start on your road to debt freedom.

If you do not have this information available or would prefer that counselor pull your credit report to obtain your creditor information please call 877/245-5435 or schedule an appointment for a convenient time for a counselor to contact you.