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Nonprofit credit counseling organization providing free debt management programs, housing counseling, and financial education to help consumers overcome debt and build financial stability.
Data compiled from public sources
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Consolidated Credit Solutions, Inc. is one of the nation's largest and longest-standing nonprofit credit counseling organizations, having helped over 10.2 million people in 30 years. The organization operates across the United States, Puerto Rico, and the Virgin Islands, providing comprehensive financial guidance through certified credit counselors. Their core mission is to empower families to overcome financial crises and build long-term financial stability through reported education and professional counseling services.
The company offers a tiered suite of services including free credit counseling consultations with certified counselors, debt management programs designed to lower interest rates (0-10%) and reduce monthly payments (up to 50%), HUD-certified housing counseling for homebuying and home-saving assistance, reverse mortgage counseling for seniors, corporate financial wellness programs through their KOFE initiative, military financial services in partnership with Army OneSource and the VA, and extensive free financial education resources including videos, calculators, webinars, and interactive courses. Clients in debt management programs make one consolidated monthly payment to Consolidated Credit, which distributes funds to creditors, with typical payoff timelines of 36 months or less.
Consolidated Credit differentiates itself through its nonprofit status, HUD-certification for housing counseling, 30-year track record, high customer satisfaction ratings (4.7/5 based on 9,150 reviews), listed programs for military service members and veterans, corporate wellness offerings, and listed with no monthly subscription initial credit counseling with no obligation to enroll. The organization emphasizes consumer protection by helping clients avoid bankruptcy while simplifying debt repayment and protecting credit through negotiated interest rate reductions.
As a legitimate nonprofit, Consolidated Credit provides genuine value for consumers seeking debt management without upfront fees. However, their debt management programs work profile signals for those with multiple debts and the income to sustain a 36-month repayment plan. The company's claims about payment reductions (up to 50%) and interest rates (0-10%) are typical for debt management programs but will vary significantly based on individual creditor negotiations and creditworthiness. Consumers should understand that debt management programs may have minor credit score impacts during enrollment, though the long-term benefit of debt elimination typically outweighs this.
Consolidated Credit Solutions, Inc. received 9 consumer complaints in the past 12 months. All complaints received a timely response from the company.
9
Complaints (12 months)
10.0%
Resolved with relief
Declining
Complaint trend
Most Common Complaint Categories
This is state-level context for Free Help consumers in Plantation, FL. It does not confirm that Consolidated Credit Solutions, Inc. or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
According to CFPB data (2023-present), Consolidated Credit Solutions, Inc. has a 100% response rate to consumer complaints, with 100% of those responses delivered within the CFPB's 15-day window. Response rate measures whether the company replied — not whether the consumer's issue was resolved in their favor.
Consolidated Credit Solutions, Inc. offers 12 services including Free credit counseling consultation with certified credit counselors, Debt management programs with creditor negotiation for interest rate reduction, HUD-certified housing counseling for home purchase and home-saving assistance, Reverse mortgage counseling for seniors, First-time homebuyer certification courses, and 7 more.
Consolidated Credit Solutions, Inc. has profile signals associated with Consumers with multiple credit card debts seeking interest rate reduction and simplified single monthly payments, Homebuyers and homeowners needing HUD-certified counseling for purchase, refinance, or foreclosure prevention assistance, Military service members and veterans navigating financial challenges related to deployment and civilian transition, First-time homebuyers seeking free certification courses required for down payment and closing cost assistance programs.
Key strengths: listed with no monthly subscription credit counseling consultations with certified counselors—no obligation to enroll; Legitimate nonprofit organization with 30+ year history and listed mission statement; HUD-certified housing counselors providing free homebuying education and reverse mortgage counseling for seniors. Areas to consider: Debt management program results vary significantly by creditor—promised 0-10% interest rates and 50% payment reductions are not guaranteed and depend on negotiations; Requires stable monthly income to sustain 36-month repayment commitment; not suitable for those with irregular income or employment instability.
In the Free Help category, comparable providers include Consolidated Credit, Consumer Debt Counselors, Inc., Incharge Debt Solutions. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
profile signals for consumers with multiple debts and stable income seeking legitimate nonprofit debt management with certified counselors and no upfront fees. Primary caveat: actual interest rate reductions and payment savings depend entirely on creditor-by-creditor negotiations and vary widely—the 0-10% and 50% reduction figures are maximum potential outcomes, not stated terms.
Public data from the Consumer Financial Protection Bureau
* Percentage of consumer complaints that received a company response (does not indicate the complaint was resolved in the consumer's favor)
** Percentage of responses delivered within the CFPB's 15-day window
Source: consumerfinance.gov | Last checked 2026-05-13
Nonprofit credit counseling agency offering free counseling, debt management programs, and HUD-approved housing help. Rated 4.7/5 from 9,144 reviews.
Profile signals: People with $10,000+ in credit card debt who want structured repayment without settlement, Homeowners or prospective buyers needing HUD-certified housing or foreclosure counseling
ISO-9001 accredited nonprofit credit counseling agency offering free consultations, debt management, and HUD-approved housing counseling to help consumers achieve financial stability.
Google rating from 87 reviews
Profile signals: Consumers seeking free, unbiased debt management education and budget counseling, Homebuyers needing pre-purchase credit preparation and down payment assistance guidance
InCharge Debt Solutions is a 27-year-old Orlando-based 501(c)(3) nonprofit offering free credit counseling, debt management programs ($32-34/mo), and HUD-certified housing counseling. 3.2 million clients served, $3.4 billion in debt repaid.
Profile signals: Consumers with $5,000+ in credit card debt who can afford monthly payments but need lower interest rates to make real progress, Individuals seeking free, certified nonprofit financial counseling before deciding on any debt strategy
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