✅ 1. Credit Repair

We help you legally and effectively dispute inaccurate, outdated, or unverifiable items on your credit report. Our team works with all three major credit bureaus to remove errors, collections, late payments, charge-offs, and more. Whether you're recovering from hardship or rebuilding after identity theft, we’ll guide you through every step of the process.

✅ 2. Credit Counseling

Our certified credit counselors offer free, confidential sessions to review your financial picture. We help you understand your credit report, explore your options, create a realistic budget, and develop a long-term plan to reach your financial goals. No pressure—just clear advice and support.

✅ 3. Debt Management Plans (DMP)

Struggling with high-interest credit cards or unsecured debt? A DMP allows you to consolidate multiple debts into one manageable monthly payment. We negotiate with your creditors to reduce interest rates, waive fees, and help you pay off your debt in 3–5 years—without taking out a new loan.

✅ 4. Debt Negotiation & Settlement

In some cases, we can negotiate lump-sum settlements with your creditors for less than the total amount owed. While not ideal for everyone, this can be an option for clients with limited income or those facing aggressive collection activity.

✅ 5. Housing Counseling

If you're facing foreclosure, struggling with rent, or considering a reverse mortgage, our HUD-certified counselors can help. We walk you through your options, help you communicate with lenders or landlords, and connect you with resources to keep you housed and financially stable.

✅ 7. Identity Theft Recovery Support

If you’ve been a victim of identity theft, we assist in disputing fraudulent accounts, placing fraud alerts, and helping you restore your credit profile. We also guide you in protecting yourself from future fraud with best practices and monitoring tips.

✅ 8. Financial Education & Coaching

From creating a budget to understanding credit utilization, we offer one-on-one coaching and group workshops to help you take control of your money. Our goal is to empower you with the knowledge and tools to build a better financial future.