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An elderly couple receiving bankruptcy credit counseling

Since debt doesn’t discriminate, we help all types of people and provide services for most money issues! For those with credit card debt, medical bills, student loans, we provide guidance and help with understanding your repayment options. For anyone dreaming of homeownership, we can help walk you through the process, how to get qualified and provide resources that can help you reach your goals. If you are already a homeowner but you’re struggling with the payments and see no way to make it work, you’re not alone! We can help.

Who we are already helping:

  • Families and individuals living paycheck to paycheck.
  • Those who are up late at night wondering how they are going to pay their bills.
  • People who are not making progress paying down their credit card debt.
  • People who feel like they have failed and are losing everything in bankruptcy.
  • Small business owners.
  • Active duty military, veterans and their families.
  • Student loan borrowers.
  • Homeowners and future homeowners.
  • People with all types of debt.
  • Anyone dreaming of a more secure financial future.
  • We can help YOU, too!

Ready? Get started on your journey to financial health today!

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You’re not alone:


of adults in the U.S. admit they do not pay all their bills on time.


of adults have debts in collections.

1 in 4

find it difficult to minimize debt due to unexpected financial emergencies.

1 in 2

Americans who have tried to purchase a home have faced barriers.


of Millennials with debt find it difficult to minimize.

*Data from 2019 Financial Literacy Survey.

What to Expect

Want to know what you can expect from a credit counseling session?

It’s easy as 1, 2, 3!

Learn more

We’re on a mission to bring financial health and improve these statistics!

Do you have a money question or are you wondering if credit counseling may be right for you?

Ask our experts here.

Jonelle B.

Jonelle B.

I talked to several credit management companies who made me feel like a statistic, not a human being. Take Charge America, an NFCC member, was interested in ME! That made me feel safe, encouraged and respected.

Francine S.

Francine S.

My financial coach gave me the confidence and skills to buy a new home.